Electronic Disclosure and the Terms and Conditions Agreement for the Electronic Bill Pay & Presentment Services. I acknowledge electronic receipt of the Terms and Conditions Agreement ("Agreement") associated with Heritage Trust Federal Credit Union’s ("the Credit Union") Electronic Bill Pay & Presentment Services and agree that I have read and will abide by this Agreement. I also agree that the Credit Union does not need to provide me with an additional paper (nonelectronic) copy of this Agreement unless specifically requested. Further, I understand that a copy of this Agreement can be printed by using my browser’s print command and a printer.

Enrollment Request for the Electronic Bill Pay & Presentment Services. The Credit Union reserves the right to refuse enrollment in the Service to any member who does not meet the Electronic Bill Payment Service criteria which have been established by the Credit Union. Included in this criteria is a requirement that subscribers to the Service must reside within the fifty United States.

Electronic Bill Payment Services. As used in this Agreement, the term "payee" means the vendor, biller, person, or entity to whom you wish a bill payment to be directed; "Payment Instructions" means the information provided by you to the Service for a bill payment to be made to your Payee (e.g., Payee name, account number, payment amount, payment date); "Payment Account" means your Share Draft Account and, in the instance of nonsufficient funds and/or an overdrawn account, any applicable share account or available balance on line of credit accounts at the Credit Union, from which all bill payments may be made and/or such funds collected; "Business Day" means Monday through Friday, excluding federal holidays; "Send On or Processed Date" means the date you have selected to authorize a bill payment.

By providing the Payment Service with the names and account information of those entities and/or persons to whom you wish to direct payment, you authorize the Service to follow the Payment Instructions that it receives from you or your authorized user through the Electronic Bill Payment Service. When the Service receives a payment instruction, you authorize it to debit your Payment Account and remit funds on your behalf so that the funds arrive as close to the Business Day designated by you as reasonably possible.

In order to pay bills through the Bill Payment Service, the funds must be available in your account on the date you request payment to be made.

While it is anticipated that most transactions will be received by a payee or individual (5) Business Days after your selected Send On or Processed Date, it is understood that due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by slow-responding companies or financial institutions (Payees), some transactions may take a day or even a few days longer to be credited by your Payee to your account with them.

For this reason, it is necessary that all Scheduled Payment Dates selected by you be no less than five (5) BUSINESS days for check payments and (3) BUSINESS days for electronic before the actual due date, not the late date and/or a date in the grace period. Payment instructions entered on a non-business day will be considered entered in the service on the next Business Day. If you properly follow the procedures described herein, and the Service fails to send a payment according to the Payment Instructions received, the Service will bear responsibility for all late charges. In any other event, including but not limited to choosing a Send One or Processed Date which is not five Business Days before the due date or on or past the due date stated on your invoice or bill, the risk of incurring and the responsibility for paying any and all late charges or penalties should be borne by you.

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

The bill payment processing center is not working properly and you have been advised about the malfunction before you execute the transaction.

The Payee mishandles or delays a payment sent by the Service.

You have not provided the Service with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment.

Circumstances beyond the Service’s control (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.

Payment will be made to your Payee either electronically via the Automated Clearinghouse (ACH) or by check. The method of payment depends on the processing method that can be accommodated by the Payee (e.g., some Payees are unable to accept electronic payments).

The payment may be deducted from your Payment Account via a draft drawn on your account and processed through the Federal Reserve System (as if you had written a check on your Share Draft Account). All bill payments debited from your account will appear on your Statement of Account. All payments can be viewed with the Payee’s name, payment amount, and payment date by utilizing your View History option. Payments will be debited within 2 business days after the processed date.

All Bill Payments must be deleted or edited by 4:00 PM Eastern Standard Time, on the day before the scheduled processing date.

as soon as you can. If you think that your statement is wrong or you need more information about a bill payment listed on the statement, we must hear from you no later than 60 days after you received the FIRST statement on which the problem or error appeared. You must:

Describe the error or the transfer you are unsure about, and explain as clearly as possible why you believe it is an error or why you need more information.

Tell us the dollar amount of the suspected error.

If we determine there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigation. You may ask for copies of documents which we used in our investigation. We may revoke any provisional credit provided to you if we find that an error did not occur.

Where it is necessary for completing transfers, or

In order to verify the existence and condition of your account to a third party, such as a credit bureau or merchant, or

To a consumer reporting agency for quality assurance survey/research purposes only, or

In order to comply with a governmental agency or court order, or

If you give us your written permission.

You agree to pay such fees and charges, and authorize the Service to charge your designated Payment Account for these amounts and any additional charges that may be incurred by you. Any fees associated with your share or loan accounts will continue to apply.

You are responsible for any and all telephone access fees or Internet service fees that may be assessed by your telephone and/or Internet Service Provider.

In the Event a Service Transaction Is Returned and/or Overdraws Your Payment Account. In using the Service, you are requesting the system 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 (e.g., there are not sufficient funds in your Payment Account to cover the transaction), the transaction may not be completed. You will receive a return notice from the Credit Union. In these cases, you agree that a nonsufficient funds (NSF) fee will be charged in accordance with the credit union’s established and published service fees. Further, you also agree that a NSF fee may be charged to your account. Overdraft Protection dies not cover bill payments.

Insufficient Funds. If you do not have sufficient funds on the day your account is debited, a block will automatically be placed on all accounts that have an ACH debit returned to bill payment services. No additional bill payments will be processed until the account is properly funded and the return(s) has cleared. If a payment request is received while the account is blocked, a letter will be sent notifying you that the payment(s) will not be processed until the account is properly funded and the return(s) has cleared. For further information or to have the block removed after you have placed sufficient funds into your account please call our e-Commerce Department at 843-832-2703 or 1-800-845-5550 ext. 2703 or 2692.

By enrolling for and using this Electronic Bill Payment & Presentment Service, you agree that the Credit Union has the right to collect funds from your share accounts as well as the available balance on your line of credit account, including credit card accounts, to recover funds for all payments that have been requested to be paid by you and your authorized user; this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint owner.

Heritage Trust employs a third-party processor who receives funds and pays your merchants. For this reason, it usually takes a minimum of three days and a maximum of seven days FROM YOUR SEND ON DATE for your merchants to receive payment. Heritage Trust closely monitors this third-party processor.

If you do not have sufficient funds in your account our third party processor may try to debit your account, up to three attempts. There will also be a Non-sufficient Funds fee on each attempt. After the third attempt, if the funds are not available, this will then go into collections with our third party processor. You will be contacted by mail or phone to settle this immediately. A block will also be placed on your bill payment account until the payment is settled. Our third party processor will not remove the block until (5) BUSINESS days after settlement, or you may contact Heritage Trust for block removal.

Alterations and Amendments. The terms of this Agreement, applicable fees, and service charges may be altered or amended by the Service from time to time. In such event, the Credit Union will make a notice on the web site in advance.

No Activity for Four Months. All Bill Payment accounts with no activity for four months will be closed. If you would like to reapply for this service at a later time, simply select the bill payment option and complete the Bill Payment application. If you have any questions regarding Bill Payment, please feel free to contact the e-Commerce Department at 843-832-2703 or 800-845-5550 ext. 2703 or 2709.

Termination or Discontinuation. In the event you wish to discontinue the Service, you must contact the Credit Union within ten (10) days prior to the actual service discontinuation date through e-mail at our web site www.htfcu.org or by written correspondence sent via the mail. Written notice must be signed and sent to:

Heritage Trust Federal Credit Union
P.O Box 118000
Charleston, SC 29423-8000
Attn: e-Commerce Department

As of June 2006