ONLINE BANKING AGREEMENT

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ONLINE BANKING AGREEMENT

Online Bill Pay Terms and Conditions

What this Terms and Conditions addresses:

Payments and Transfers Payment Delivery

Non-Business Hour Days Payment Notification Payment Guarantee

Expedited Payment Guarantee

Payees in the Armed Forces Postal Codes

Bill Pay Non-Activity Liability

Payee Maintenance

You understand that to use our Online Bill Pay Service, you must maintain a CommunityAmerica consumer or business checking account. You are in full control of your Online Bill Payment entries, and are responsible for completing required fields, accuracy of payee information, and payment amounts. Bill Pay history, pending payments, processing and cleared payments can be tracked online.

The number of Bill Pay payments/checks per month is unlimited and can be issued to virtually anyone in the United States--from national bank cards, mortgage companies, auto loans, and department stores to the newspaper carrier. Payees that are not eligible for payment through this service include governmental agencies, including but not limited to, the Internal Revenue Service, all state and local tax authorities, collection agencies, as well as recipients of court-ordered payments like child support or alimony. However, payments to government agencies for utilities such as water are permitted. Also not eligible for payment are any organizations or individuals outside of the United States. Moreover, we reserve the right to refuse to make payments to any payees and we may decline to make future payments to payees. In the unlikely event that this occurs, we will notify you promptly, unless such payment is explicitly prohibited under this agreement or by law.

We reserve the right to terminate your use of Online Bill Pay Service at any time without prior notice to you.

If, for any reason, you should want to terminate your use of our Online Bill Pay Service, we recommend that you cancel all future payments and transfers at the same time you terminate the Service, either by deleting the scheduled payments yourself or by contacting the CommunityAmerica as stipulated below. We will delete all outstanding payments (both non-recurring and non-recurring), as part of your Service termination.

We are not responsible for any scheduled Payment made before we have a reasonable opportunity to act on your termination notice. You remain obligated for any and all Payments made by us on your behalf through the Bill Payment Service.

If you decide at any time to discontinue service, experience errors or unauthorized payments you will notify the Bill Pay Message Center within your Bill Pay Session or contact Bill Pay Support at (800) 647-8645 immediately; or you can also provide written notice to:

CommunityAmerica Credit Union

Attention: @ccountLink Support Services 9777 Ridge Drive

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Your use of Online Bill Pay Services signifies that you have read and accepted all terms and conditions of this agreement and individual account agreements.

Payments and Transfers

“Today” payments, where the date you submit the payment and the date on which it is sent are the same, are executed immediately after you log out of the session by debiting your account. “Today” payments occur when they are submitted before 12:00 PM ET on a business day will be debited and processed on the same day; otherwise, the payment will process on the following business day. Future scheduled payments are debited on the same day as their send on date, and processed on the scheduled payment send date; however, if the payment's send date falls on a Saturday, Sunday or holiday, the payment will be processed on the next business day after the send on date.

Payment Delivery

Based upon the payment delivery method (electronic or check) and time of payment submission the delivery date of the payment may vary. The delivery date will be displayed to you on all payment scheduling and confirmation screens. Any Payments made with the Bill Payment Service require sufficient time for the Payee to properly credit your account with the Payment; thus, please be sure to schedule all payments so the delivery date is on or before the due date of the payment. To avoid incurring a finance charge or other charge, you must schedule a Payment at least five days in advance of the due date of your Payment. If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee.

The method of sending (electronic or check) is determined by the capability of the receiver, NOT by CommunityAmerica. Payments can be researched and a claim filed if a payment is not received by a creditor. To do this, you must contact Bill Pay Support at (800) 647-8645, or file a claim online from your Bill Pay session.

You are responsible for any loss or penalty that may occur due to lack of sufficient funds or other conditions that may prevent the scheduled withdrawal of funds from your account and the payment. We are not responsible for late payments unless it is a processing problem originating with us. The completion of a transfer or payment is subject to the availability of sufficient funds (including any overdraft sources and overdraft protection plans) at the time the transaction is posted. If enough funds to complete the transfer or payment are not available, we may either (a) complete the transaction and overdraw the account or (b) refuse to complete the transaction. In either case, we may charge a fee; refer to applicable account agreement and Fee Schedule for details.

We are under no obligation to inform you if we do not complete a payment or transfer because there are non-sufficient funds or credit in you account to process the transaction. In this case, you are responsible for making alternate arrangements or rescheduling the payment or transfer within @ccountLink. At our option, we may make a further attempt to issue the payment or process the transfer request.

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Non-Business Hour Days

Payments scheduled on Saturday, Sunday or holidays will be debited on the same day as their send date, and processed next business day. The payment will be made on the next business day. The following table shows the timing for each type of Online Banking payment.

Frequency Timing Example

Weekly 7 calendar days from the start date Start date: Friday, April 11, 2008 Next payment: Friday, April 18, 2008 Bi-weekly Same day of week every 2 weeks (14 days

from the start date)

Start date: Friday, April 11, 2008 Next payment: Friday, April 25, 2008 Every 4 Weeks Same day of week every 4 weeks (28 days

from the start date)

Start date: Friday, April 2, 2008 Next payment: Friday, April 30, 2008

Monthly Same date every month.

If the start date is on the 29th, 30th, or 31st day of the month and the number of days in the payment month is less than the start date, then the next payment will be made on the last business day of the current month.

Start date: Friday, April 11, 2008 Next payment: Sunday, May 11, 2008 Start date: Monday, March 31, 2008 Next payments: Wednesday, April 30, 2008 Friday, May 29, 2008

Start date: Wednesday, Jan. 29, 2008 Next payment: Monday, March 3, 2008 Tuesday, April 29, 2008

Semi-monthly Twice a month.

If the start date is less than 15, add 14 to it. If the start date is greater than 14, subtract 14 from it. If the subsequent payment date is still greater than 14, the payment day is set to 14.

If the start date is less than 15: Start date: Wed., April 2, 2008 Next payment: Wed., April 16, 2008 Next payment: Fri., May 2, 2008 If the start date is greater than 14: Start date: Wed., April 30, 2008 Next payment: Wed., May 14, 2008 Next Payment Wed., May 28, 2008

Quarterly Same date every 3 months Start date: Fri., April 11, 2008

Next payment: Fri., July 11, 2008 Semi-annually Same day of month every 6 months Start date: Fri., April 11, 2008

Next payment: Fri., October 11, 2008

Annually Same day of month once a year Start date: Fri., April 11, 2008

Next payment: Sat., April 11, 2009

Payment Notification

This online service will confirm a today transaction only if you have sufficient funds in your funding account(s) to cover it. Future-dated transactions are stored by the system, but the funds are not debited from your account until the scheduled transaction date.

A reference number is displayed after you complete a transaction. This is your electronic receipt. The reference number is a record that transactions were accepted and will be processed, so you may record this number. Your statement will also include all of your online transactions. Print your statement for a paper receipt.

You will be notified if a payment fails, and this service will automatically attempt to retry the payment on the next business day. If the payment is successful on the next business day, you will not be notified again. If the payment fails on the retry, you will be notified again.

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Payment Guarantee

If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. (Finance charges are calculated based on your payment amount rather than your entire balance.) If the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee. In addition, we will attempt to have your account noted appropriately to ensure that the situation does not negatively impact your credit rating; refer to Electronic Funds Transfer Disclosure in our Important Account Information brochure for important information on the limitations of reimbursable fees and finance charges.

The Payment Guarantee applies to late fees and/or finance charges associated with the late posting of a payment, provided that the following conditions are met:

1. The payment was scheduled to be delivered on or before the due date of your bill, excluding any grace periods. (The one exception to this guideline is that mortgage payments may be scheduled so that the payment is sent on or before the due date, excluding grace periods. For example, a mortgage payment due on July 1st, with a 15-day grace period, must have a "Send On" date no later than July 1st.)

2. The payment amount did not exceed $25,000. 3. The payment was not made to an excluded payee:

Payments that failed due to insufficient funds or other reasons.

Payments to payees located in the Armed Forces Postal Codes such as AE & AP. Payments to settle securities transactions

Payments to payoff special or delayed financing for purchases

Payments to credit counseling agencies who pay creditors on your behalf

4. The payment was not made to a prohibited payee. Payments to the following payees are not permitted through this service:

Payments to payees outside of the United States

Court-ordered payments such as alimony, child support, speeding tickets, etc. Tax entities

Collection agencies

5. The information supplied by you is correct (payee name and address, your name and account number as it appears on the payee's records).

Expedited Payment Guarantee

If a Properly Scheduled Expedited Payment (defined below) is not received and posted by the payee as of the scheduled payment date, you will not be responsible for any Penalties (defined below) that arise due to the failure of such payment to post on the scheduled date and we will refund you the service fee associated with such payment We will first attempt to have any such Penalties removed, and if the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee. In addition, we will attempt to have your payee account noted appropriately to ensure that the situation does not negatively impact your credit rating. "Penalties" are defined as late fees or finance charges that are assessed on the Properly Scheduled Expedited Payment amount that did not post on the scheduled payment date, not those based on your total outstanding balance.

A "Properly Scheduled Expedited Payment" is defined as a payment that:

1. Was made from an account that has sufficient funds for the payment and any fees associated with the payment.

2. Was scheduled to be delivered on or before the due date of your bill, excluding any grace periods. (The one exception to this guideline is that mortgage payments may be scheduled so that the payment is sent on or before the due date including grace periods. For example, a

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mortgage payment due on July 1st, with a 15-day grace period, must have a "Deliver By" date no later than July 15th.).

3. The service indicates is deliverable on or prior to the applicable due date. 4. Was not made for any of the following types of transactions:

Payments that failed due to insufficient funds or other reasons. Payments to settle securities transactions

Payments to payoff special or delayed financing for purchases

Payments to credit counseling agencies who pay creditors on your behalf Payments to payees outside of the United States

Court-ordered payments such as alimony, child support, speeding tickets, etc. Tax entities

Collection agencies

5. The information supplied by you is correct (payee name and address, your name and account number as it appears on the payee's records).

6. Does not cause you to exceed any applicable risk management limits. 7. Was scheduled when the system was available.

8. The payment complies with the payee's policies.

Payees in the Armed Forces Postal Codes

You can schedule payments to Payees that are located in the Armed Forces Postal Codes such as Armed Forces America (AA) and Armed Forces Europe (AE). While the United States Post Office identifies the Armed Forces Postal Codes within the range of standard domestic mail, the mail that is delivered to these Postal Codes is subject to delays at the military bases. Therefore, payments to Payees in the Armed Forces Postal Codes are not covered under the Payment Guarantee.

Liability

You are solely responsible for controlling the safekeeping of and access to your Online Bill Pay Service information. 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 change your @ccountLink Logon ID and Security Code. In the event that you have experienced unauthorized access to Online Bill Pay Service, you must notify us of the unauthorized access, identify any Payments made or potential Payments scheduled, and change your logon information.

You will be responsible for any payment request you make that contains an error or is a duplicate of another payment. We are not responsible for a payment that is not made if you did not properly follow the instructions for making the payment. We are not liable for any failure to make a payment if you fail to promptly notify us after you learn that you have not received credit from a payee for a payment. We are 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 our agent.

In any event, we will not be liable for any special, indirect, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Service, even if we have knowledge of the possibility of them. We are 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 our reasonable control.

Bill Pay Non-Activity

You understand that if you do not make any online bill payments for any consecutive three (3) month period that your access to Online Bill Pay may be revoked and you will need to call @ccountLink Support Services at (866) 272-2228, Monday through Friday, excluding holidays, between 7am and 6pm, Central Time to have your Online Bill Pay reinstated.

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Payee Maintenance

If you are adding a Payee and receive the "Verify Information" message, it means that you have entered a city, state or zip code that does not match the records in our address verification system. Common mistakes with adding Payees include entering the merchant name in the address field and misspelling the city name. You will be prompted with this message up to two times if the system cannot validate the address you have entered. On the third try, the system will accept the Payee address and notify you within three business days if the address could not be validated by one of our Merchant Specialists.