This agreement governs the use of our Internet BillPayer Service (hereafter "BillPayer"). In this agreement "we", "us", "our", "DCCU", and "Credit Union" refer to DuPont Community Credit Union. "You" and "your" refer to DCCU members (jointly and severally) and any authorized designee participating in BillPayer. By enrolling in BillPayer, you authorize us to make payments on your behalf by debiting your designated account and transferring the funds to the designated merchant accounts as indicated by the member via Internet BillPayer. All agreements, policies, rules, and regulations applicable to your DCCU membership and accounts remain in effect and continue to be applicable, except as specifically stated in this agreement.

DISCLOSURE OF PROCEDURES AND FEES

By accepting this agreement, you will be billed for the Internet BillPayer service based on the following fee plan.

Flat usage fee of $6.00 per month (No fee when enrolled in eStatements)

• Stop Payment request - $20 per occurrence
• Check Copy request - $20 per occurrence
• Additional one-time fees associated with optional or add-on services are disclosed at the time of selection.

For all BillPayer users signed up to receive their periodic statements electronically (e-Statements), the monthly flat usage fee of $6.00 will be WAIVED.

The monthly fee (if applicable) will be deducted from your designated credit union account each month on the last business day of the month and will appear on your statement as follows: "BillPayer Fee"

DCCU reserves the right to charge the below fees in the event of excessive use of these services

• Express Mail Notification - $15 per letter
• Recipient Payment Notification - $10
• ACH Return - $10 per item
• Payment Cancelation before disbursement - $7.50
• Return Payment - $5 per item
• Standard Proof of Payment - $10 per copy

When scheduling payments, please allow at least 2 business days for electronic payments and at least 5 business days for check payments. Choose a payment date at least 2 days prior to the due date on your bill when paying electronically.

Instructions for Setting up Payees & Payments:

• Payees: If you want to add a new Payee, first select the Payments tab located within the Bill Pay section of Online Banking, the Payees tab within the Bill Pay section of Mobile Banking, or speak to a service representative.
• DCCU reserves the right to refuse the designation of a Payee for any reason
• Payments: You may add a new payment to a Payee by accessing the service and entering the appropriate information. Most other additions, deletions, or changes can be made by using the service.
• You may pay any Payee within the United States (including U.S. territories and APO's / AEO's).
• DCCU is not responsible for payments that cannot 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 processing date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, is currently 2pm.

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 processing date, the payment will be processed on the first business day following the designated processing 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 processing date is calculated for the next occurrence of the payment. If the calculated processing date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:

The processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing 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 processing date, then the last calendar day of that month is used as the calculated processing date.

Single and Recurring Payments
The system will calculate the Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your payments to reach your Payees.

Canceling a Payment
A bill payment can be changed or canceled any time prior to the cutoff time on the scheduled processing date.

Expedited Payments
Some payees are eligible for expedited payment processing. This means that the payment can be delivered and posted on the same day, or the next business day, depending on the time of day that you attempt to schedule the payment. You will see an "Expedite" option in the payment center next to any payee that is eligible for expedited processing. Fees associated with this service vary depending on the payee and are disclosed when you are setting up the payment.

Expedited Payments are subject to the terms and conditions presented when selecting an expedited payment option.

eBills
eBills are electronic summaries of your paper bills that are displayed in online BillPayer. eBills are available for hundreds of the most popular payees. To access your bills, you must provide credentials for each of the bills you would like to receive. The credentials may include user id, password, and security questions that you would use to access your account on the biller's web site. This information is stored in a secure area and data is encrypted to ensure your privacy. Only you are able to access, view, and change key account information. eBills are subject to the eBills terms and conditions available in BillPayer.

General

If the Bill Payer account remains inactive for six months, the Credit Union may delete all payees and cancel the enrollment on the inactive account.

Fees described above apply to the use of Internet BillPayer. Additional fees may be incurred for late payments or insufficient funds on your account. See DCCU's Fee Disclosure(s) for more information. Funds need to be available by 11:59pm on the process date. No single payment shall be less than $1 or exceed $9,999.99.

What Happens If You Do Not Have Sufficient Funds to Make a Scheduled or Requested Payment?

If you have an overdraft Line of Credit, or if you have arranged for funds from other accounts to be transferred to cover any overdraft, and funds are available, your bill will be paid as scheduled. Program fees will be assessed and/or interest will accrue on any unpaid balance created by the payment of the overdraft. Please see your Overdraft Protection, or Overdraft Line of Credit documentation for more information about fees and charges.

Liability

Transactions initiated using the iPay platform are subject to the regulatory requirements of Regulation E, and, in some cases, Regulation J and UCC 4A. Consult your Regulation E/Electronic Funds Transfer Act and Reg J/UCC4A disclosures that were provided to you at account opening. Those disclosures and rules, including liability, timing, notification, and error resolution rules, are hereby incorporated into this disclosure.

You are solely responsibility for controlling the safekeeping of and access to your Online Banking Credentials (Username\Password). These credentials should never be given to anyone, for any reason. If you do authorize any individual to use Online Banking and/or iPay you are liable for any all activity conducted by the authorized third party up to the time that you communicate a termination of that authority to DCCU in writing. If you do not notify DCCU of the termination of authority, you are liable for any and all transactions conducted by the third party and any resulting fees, costs, and consequences.

You will be responsible for any late fees or additional charges assessed by a payee if your bill payment request contains an error.

DCCU is not responsible for a bill payment that is not made or processed correctly by the payee if you did not follow the payees instructions or enter incorrect information (billing or invoice number assigned by the payee, payee address, etc).

DCCU is not liable for any failure to make a bill payment if you fail to promptly notify DCCU after you learn that you have not received a credit from a payee for a bill payment.
DCCU 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.

Amendment

DCCU has the right to change this agreement at any time using any of the following methods: by notice mailed to you at the last address shown for the account on DCCU's records, by electronic notification, or as otherwise permitted by law.

Termination

• The Financial Institution has the right to terminate this agreement at any time. For more information please review DCCU's Suspension of Services Policy.
• You may terminate this agreement by written notice to DCCU, or by un-enrolling in the BillPayer service by contacting our Service Center.
• DCCU is not responsible for any fixed or recurring payment made before DCCU has a reasonable opportunity to act on your termination notice. Cancellation of services may take up to 10 business days depending on the method of notification used.
• You remain obligated for any authorized payments made by DCCU on your behalf.