Common use of Stop Payments Clause in Contracts

Stop Payments. If you want to stop payment on a check you have written, you must place a written stop payment order at the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.

Stop Payments. If you want This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request to stop payment on a check you have written, you must place a written Check from any Account holder or Authorized Signer. A stop payment order at the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if effective unless it complies with this section and we do not have a reasonable opportunity to act on it before final payment the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the item. You may furnish payee of the Check in order for us to process your stop payment order orally, or in writingrequest. If you give us an oral this information is not exact, your stop payment order, then it request will not be effective and we will not be responsible for 14 calendar days. The failing to stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effectpayment. If you do not renew make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment order when it expires, and the item is presented for payment, request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the item and charge it to your account. There is a charge Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment orderrequest. You agree to indemnifyindemnify the Bank for any damages or expenses, defend and hold us harmless from all costs (except attorney's including attorneys’ fees), actions, damages, claims, and demands related we incur due to or arising from our action in stopping your stop payment on the checkrequest. You do not automatically have assign to us all rights against the right payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimpayments.

Stop Payments. Stop Payments on Checks. If you want request us to stop payment on a check you have written, you must place a will give written or other confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment order at request within the branch office 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the check or account with reasonable certainty and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months or other time period not less than six months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the check on which holds a Stop Payment Order has been placed has not yet cleared or been returned to you by the account before it payee, you may renew the Stop Payment Order for an additional six months by providing a request to us in a record or writing within the time period the Stop Payment Order is finally paid by usin effect. Any authorized signer on the account may furnish Our acceptance of a stop payment orderrequest does not constitute a representation by us that the check has not already been paid or that we have had a reasonable opportunity to act on the request. For example, a joint account holder and one authorized signer We may request accept a stop payment request on an item which lost or stolen checks, whether a single check or series, unless our policy requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on the itemACH Debits. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment A Stop Payment Order may be placed on the itemeither a one-time debit transfer or on a multiple debit entry transfer. If you provide us with any incorrect informationrequest a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we will not be responsible for our failure to stop payment on must receive the check. We will not be responsible for request, orally or in a stop payment order if we do not have record or writing, in a period of time that provides us a reasonable opportunity to act on it before final payment prior to acting on the debit entry, otherwise the Stop Payment Order shall be of the item. You may furnish the stop payment order orally, or in writingno effect. If you give us an oral requested a stop payment orderon a multiple or future debit entry transfer, then it will we must receive the Stop Payment Order, orally or in a record or writing, at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be effective supplied to us. Oral stop payment orders are binding on us for 14 calendar daysdays only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order A Stop Payment Order on an ACH debit will remain in effect for six months and must be renewed by you every six months until the earlier of 1) your withdrawal of the Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to remain in effectmore than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. If you do not renew the When a stop payment order when it expires, and the item is presented for paymentplaced on a multiple or future debit entry transfer, we may pay the item and charge it to require your account. There is confirmation in a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against record or writing stating that you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us canceled your authorization for the procedures to follow to obtain reimbursement or have transfer with the cashier's check reissuedpayee (a Stop Payment Order does not revoke authorization). In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimWritten communication includes communication by electronic record.

Stop Payments. If you want Unless otherwise specified with respect to any applicable Service, any stop payment order which Customer wishes to place on a check you have written, you drawn on an Account that is enrolled in this Service must place a written be placed in accordance with the Bank's normal stop payment order procedures and provisions in effect at that time, as set forth in Deposit Account Agreement. If Customer has elected to electronically issue stop payment entries (“Stop Payment Request”) via the branch office which holds Service, the following provisions shall also apply: a. You may only submit Stop Payment Requests for checks that have not yet posted to the Account. b. You understand and agree that Stop Payment Requests will not take effect unless you provide all the information requested by the Stop Payment screens and provide such information exactly as it appears on the check, including, but not limited to, the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For examplenumber, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, amount, payee and date. You acknowledge that even minor errors in providing the exact amount (dollars and cents) of the check and the name of the payee for us information requested may prevent payment from being stopped. c. Stop Payment Requests that we receive prior to stop payment 7:00 PM Central Time on a particular Business Day, will be effective on that Business Day. Conversely, Stop Payment Requests that we receive after that cut-off time will take effect on the itemnext Business Day. If The Business Day on which the Stop Payment Request takes effect is referred as the “Stop Payment Effective Date.” We shall not be liable to you provide us with for items otherwise properly payable that we pay prior to the Stop Payment Effective Date of your Stop Payment Request or any incorrect informationloss arising out of such payment. d. Upon electronic receipt of a proper Stop Payment Request from you, we will not be responsible electronically send back an acknowledgement of the request. e. You hereby authorize us to automatically charge the Account against which the check was drawn for our failure to stop applicable Stop Payment fees for each Stop Payment Request and any renewal thereof. f. If a Customer uses Positive Pay services the Customer must also place any Stop Payment request at a branch or in Treasury Solution or the Stop payment on the check. We request will not be responsible valid and the Bank will not be liable for a stop payment order if we do not have a reasonable opportunity to act on it before final the payment of the that item. You may furnish the stop payment order orally, or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.

Stop Payments. If you want to stop payment on You and any other authorized signer may make a check you have written, you must place a written stop payment order at the branch office which holds the account before it is finally paid on an Advantage Check by uscalling your financial professional. Any You agree that we are authorized signer on the account may furnish to accept a stop payment order. For exampleCertain fees may apply, a joint account holder and one stop payment orders do not appear on your Account statement. You or any authorized signer may request must supply the following information to us as a condition of accepting a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the order: • exact amount (dollars and cents) of the check Advantage Check; • information that we may require to verify your identity; and the name • other information we may reasonably require. If any of the payee for us to stop payment on the item. If you provide us with any incorrect informationrequired information is not provided or is incorrect, we will not be responsible for our failure failing to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of effectuate the stop payment order. Upon confirming In order to be effective, a stop payment order must be received in a time and manner that gives us a reasonable opportunity to verify that the Advantage Check is unpaid and to act on the request. To stop payment on an Advantage Check, you or an authorized signer must call your financial professional or the service telephone number on your Account statement. We may require a stop payment order to be confirmed in writingwriting within 14 days after a call placing a stop payment order is received. A stop payment order cannot be acted on once we have paid, certified, or accepted the Advantage Check. Each stop payment order will remain in effect for six (6) months and must but will not be renewed by you every six months to remain in effectautomatically renewed. If the Advantage Check is still outstanding after that time, you do not renew the may request another stop payment order when it expires, and for the item is presented for payment, we may pay fee specified in the item and charge it fee schedule applicable to your accountAdvantage Account. There is You agree that if a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying is not renewed in writing, we may, at our sole discretion, return or pay an item if we do not receive Advantage Check presented after the stop payment by the close expiration of the business hour order. You agree that stop payments on Advantage Checks may also be placed by us due to legal process matters or to effectuate other provisions of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment orderthis Advantage Agreement. You agree to indemnify, defend defend, and hold us us, including our agents, Affiliates and their respective officers, directors, and employees harmless from all costs (except attorney's fees)costs, actions, damages, claimsclaims liability, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to actions or omissions involving a stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders an Advantage Check based on the information you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissuedprovided. In generalno event shall the above identified parties be liable for special, you will have consequential, or compensatory damages, including loss of profits and/or opportunity, or for attorneys’ fees incurred by you, due to complete acting or failing to act, upon a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen stop payment order or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within placing a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimstop payment upon an Advantage Check.

Stop Payments. If you want to At your request, we may stop payment on a check drawn against your account, as applicable, provided you have writtenmeet our conditions to effect such a request, subject to a service charge. We may accept the Stop Payment request from any of the joint owners of the account (if the account is jointly owned) whether or not that joint owner is the signer of the check. In order to place a stop payment order, you must place tell us the exact amount of the item, the number of the check, and the number of the account; otherwise, our computer may not catch the stop order. If you produce a check by computer or in any other manner that does not contain a magnetic-encoded check number, we may not be able to honor the stop order. We are not responsible if the item in question is not described with reasonable certainty, and we are entitled to a reasonable period of time after we receive a stop order to notify our employees. You may notify us either orally or in writing to stop payment. An oral stop payment order on a check is binding on us only for 14 days unless confirmed in writing within this period. A written stop payment order at is effective for 6 months, unless renewed in writing prior to the branch office which holds order becoming ineffective. A fee, as set forth in the account before it is finally paid by us. Any authorized signer on the account may furnish a separate fee schedule, will apply to all stop payment order. For exampleorders, a joint account holder and one authorized signer may request a including renewals of stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the itemorders. If you provide us with any incorrect information, we will not be responsible for our failure fail to stop payment on the check. We will not be responsible for honor a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral timely and accurate stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at we reserve the end of 14 calendar days right not to recredit your account unless you give us a written notice can demonstrate the fact and amount of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effectyour loss. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive recredit your account after paying a check over a valid and timely stop order, you agree to sign a statement describing the stop payment by dispute with the close payee or other holder of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled and to enforce payment assist us in legal action taken against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the checkthat person. You do not automatically have the right to stop payment on point-of-sale Debit Card transactionsa cashier’s check, cashier's checks an official check, a teller’s check, a certified check, a money order or money orders a traveler’s check you purchase have purchased from us. If a cashier's We have no responsibility to stop payment on any check is lost, stolen or destroyed, please contact us for the procedures other item not conforming to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check our printing and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimencoding specifications.

Stop Payments. If You may stop payment on a check drawn on your account, and we will charge a Stop Payment Request Fee. However, you want cannot stop payment if we have already certified, paid, or otherwise become responsible for the check. For example, you cannot stop payment on a check we have already cashed because we became responsible for the transaction as soon as we cashed it. Any one owner or authorized signer of an account may order us to stop payment on a check you have writtendrawn on the account. Please see the “Electronic Fund Transfers” section of this booklet for how to place a stop payment on recurring electronic payments. (Also see section “Right to Stop Payment of Preauthorized Debit”.) We will not accept any instructions/requests to effect banking transactions via the Internet, unless expressly authorized under a duly executed Agreement with the Bank (e.g., IDB PassportSM, IDB AccessSM or online banking). To stop payment on a check, you must place a written stop payment order at give us the branch office which holds exact account number, check number, date written, payee and the account before it is finally paid by usamount of the check, so we can identify the item. Any authorized signer on discrepancy error, especially in amount (even as small as $.01), check number or account number, will prevent the account may furnish Bank from properly implementing a stop payment order. For example, a joint account holder and It may take up to one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of full business day from the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, time we will not be responsible for our failure to stop payment on the check. We will not be responsible for receive this information until a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the itembecomes effective. You may furnish the A stop payment order orally, is effective for a minimum of six (6) calendar months or until canceled by you in writing. If you give us an oral would like to extend the stop payment order, then it for an additional six (6) calendar months we must receive written instructions from you. We will be effective for 14 calendar days. The stop payment order will expire at the end not send a confirmation of 14 calendar days unless you give us a written notice of the your stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew When the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it have no duty to notify you except for identifying the item as paid on your accountstatement. There You agree that you will be responsible to us if any claim or demand is made against us as a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close result of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the having acted in accordance with your stop payment order. You agree to indemnifyreimburse us for any reasonable costs, defend and hold us harmless from all costs (except expenses or attorney's fees), actions, damages, claims, and demands related ’s fees that we may incur in defending ourselves against any such claims or demands. We are not required to or arising from our action in stopping payment on the check. You do not automatically have the right to accept a stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's ’s check, teller’s check (“official check”), or certified check, unless you provide us with a sworn statement – in a form we deem acceptable – that the check is lost, stolen stolen, or destroyed. After a stop payment is placed, please contact us for we are not required to refund the procedures money used to follow to obtain reimbursement purchase the check, or have the cashier's check reissued. In generalissue a replacement check, you will have to complete a Declaration of Loss form, describing the cashier's check until and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If unless the check is not presented during the for payment within 90 days waiting period, after the issue or certification date. If in our discretion we may pay the item agree to a person entitled to enforce refund or replace the check. If this happens, we will not pay your claimrequire that you purchase a surety bond for the amount of the check.

Stop Payments. If you want to You may stop payment on a check you have writtenpreauthorized electronic funds transfer, you a withdrawal order or on any check, except for cashiers’ checks, official checks or other cash equivalent items. We must place a written receive your stop payment order at the branch office a time and in a manner which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish gives us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final prior to payment of the item. You may furnish the A stop payment order orallyis effective for six (6) months from the date the order is received and may be renewed for additional six-month periods. We will accept stop payment orders issued by any person with signing authority on your Account, regardless of who initiated the check or in writingother withdrawal order, and even if more than one signature is required on a check or withdrawal order. If you give us an oral Stop Payment Order that is not confirmed in writing by you within 14 days, your Stop Payment Order will expire and the instrument may thereafter be paid by us. Stop payment orders are subject to our current charge for that service. You may place a stop payment order at any branch office, by calling us at the telephone number on your statement, by writing to us at the address shown on your statement, through our home banking service, or by any other notice method we agree to honor. We will request information about the check or other withdrawal order to be stopped, which may include your account number, the name of the party to be paid, the amount, the date, your check number, and your name and address. STOP PAYMENT ORDERS ARE PROCESSED BY COMPUTER. UNLESS THE AMOUNT OF THE ITEM AND OTHER INFORMATION ARE REPORTED ABSOLUTELY ACCURATELY, WE CANNOT ASSURE YOU THAT THE ITEM YOU WANT STOPPED WILL NOT BE PAID. In the event that we inadvertently pay an item over your valid stop payment order, then it we may refuse to re-credit your Account if you owed the money to the payee(s). You will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give required to provide evidence satisfactory to us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effectamount of your loss. If we re-credit your Account, you do not renew shall be deemed to have assigned to us all of your rights against the stop payment order when it expirespayee(s), and the item is presented for payment, we may pay both on the item and charge it on the underlying claim, and we may require you to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying sign an item if we do affidavit that you did not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days full value from the date transaction for which the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimand otherwise cooperate in our recovery efforts.

Stop Payments. With this Service, you can order stop payments on any checks which have not yet been paid by us. You must be able to provide the correct check number and exact amount of the check. Any loss suffered by you due to your failure to accurately identify the check in the stop payment request will be your responsibility. No stop payment order will be effective against a check that has paid prior to the time that we both received the order and had a reasonable period of time to respond to the order. Prior to submitting a stop payment order to us, you agree to access the appropriate account and database information through the Business Online Banking System, other means available to you, or contact us to determine whether the check to which the stop payment order has or has not already been paid. You understand account information and transactions are only available for the retention period available through Business Online Banking. You are responsible for reviewing past statements for checks issued before the prior statement cycle. If you want to request a stop payment on a check you have writtenthat has been previously paid, you must place a written the stop payment order at the branch office which holds the account before it is finally paid by usvoid. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will We are not be responsible for our failure to stop payment on the check. We will not be responsible for any liability you may incur as a result of placing a stop payment order if we do not have on a reasonable opportunity to act on it before final payment of the itemcheck that has been paid. You may furnish acknowledge that a transaction search through the Business Online Banking System will not necessarily reveal whether a check has been paid until the Banking Day after the Banking Day on which the stop payment order orallyis received by us, or in writing. If and you give us an oral stop payment order, then it will further acknowledge that a check might not be effective for 14 calendar days. The shown as paid if paid after the stop payment order will expire at and before we have a reasonable period of time to respond to the end of 14 calendar days unless order. Any loss suffered by you give us due to your decision to issue a written notice of new or replacement check, or to take any other action, based on information in the Business Online Banking System prior to the next Banking Day after the Banking Day on which the stop payment orderorder has been received by us will be your responsibility and not of the ours. Upon confirming the order in writing, the order will Stop payment orders remain in effect for six months and must be renewed by you every six months to remain in effect(6) months. If you do not renew want to extend the Stop payment order, you must place another order. Stop payment orders are automatically canceled when the account on which the check is drawn is closed or at the end of the six month term of the order (unless renewed). If a stop payment order when expires or is cancelled by you, we may pay the check if it expires, and the item is presented for payment, even though it may be stale-dated by that time. We may process stop payment orders that cover a range of checks that are missing or stolen without specifying the dollar amount. In this case, we may pay the item require you to close your account and charge it to open a new one. You should be aware that anyone holding your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bankus, may be entitled to enforce payment against you despite the stop payment order. You also agree to indemnify, defend defend, and hold us harmless from all costs (except attorney's including attorneys’ fees), actions, damages, claims, and demands related to to, or arising from from, our action in stopping payment on the your check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.

Stop Payments. If you want We may accept an order to stop payment on a check any item from you, so long as you have written, you must place a written stop make any stop-payment order at in the branch office which holds the account before manner required by law and we must receive it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish in time to give us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop payment order must precisely identify the number, date, amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, stop- payment orders are effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Online Banking are considered signed electronically by the person logged into Online Banking and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment transaction and agree that its electronic signature will be enforceable as and to the full extent of a hand-written signature(s), whether in court (state or federal), arbitration or otherwise. Consenting Party will not raise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys’ fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may furnish the stop payment order orally, or in writingtake against such persons. If you give us an oral stop payment order, then it will You should be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and aware that anyone holding the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop stop-payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.

Stop Payments. If you want The provisions in this section that are applicable to stop payment on orders are also applicable to notices of post-dating. Therefore, the term “stop payment order” refers to both an order not to pay a check and to a notice of post-dating. If you do not want us to pay a check you have written, you must can request that we place a stop payment on it. You may order us to stop payment of any check; automated clearing house/pre-authorized electronic funds transfer ACH/EFT or other item on your account. Your right to stop payment may be limited. You can notify us in writing, contact us by phone at stop payment order. A verbal stop payment order takes effect when we record it on your account and is effective for 14 calendar days unless confirmed in writing within that period. A written stop payment order at is effective for six months unless renewed in writing. We will charge you a “ stop payment fee” as indicated in the branch office which holds Fee Schedule. A stop payment order against an ACH/EFT is effective until the account before it earlier of: (i) you withdraw the stop payment order, or (ii) the debit entry is finally paid by us. Any authorized signer on the account may furnish returned, or, where a stop payment orderorder is applied to more than one debit entry under a specific authorization involving a specific party, all such debit entries are returned. For exampleWe may require you to provide us written confirmation of a verbal stop order request against an ACH/EFT within 14 calendar days. Additionally, if you request us to stop all future payments pursuant to a specific ACH/EFT authorization involving a particular party, we may require you to confirm in writing. Your stop payment order must include your account number, exact check number and date of check, payee name, and exact amount of the check. If this is a joint account holder and one authorized signer may request account, we will accept a stop payment on an item which requires two signatures, order from any joint owner regardless of whether that authorized signer's signature was one who signed the check. The stop payment order must be received by us no later than the business day prior to the business day the item is presented to us. A release of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on order may be made only by the item. If you provide us with any incorrect information, we will not be responsible for our failure to person who initiated the stop payment on the checkorder. We will not be responsible liable except for a stop payment order if we do not have a reasonable opportunity our failure to act on it before final payment of the item. You may furnish the stop payment order orally, or in writingexercise ordinary care. If you give us an oral we honor any item subject to a valid stop payment order, then it we will be effective credit your account for 14 calendar days. The stop payment order will expire at the end amount of 14 calendar days unless this check when you give execute an affidavit describing the dispute with the payee, to transfer to us a written notice all of your rights against the payee or other holder of the stop payment order. Upon confirming the order check and to assist us in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment legal action against you despite the stop payment orderthat person. You agree to indemnify, defend and hold us harmless from for all costs (except attorney's fees)liabilities, actions, damages, claimsexpenses, and demands related to or arising from our action in stopping costs incurred by us on account of refusing payment on the check. You do not automatically have the right an item subject to your stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimorder.

Stop Payments. If you want to stop payment on a check you have written, you must place a written stop payment order at the branch office which holds the account before it is finally paid by us. Any authorized signer on the account You may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for ask us to stop payment on individual checks, or on two or more checks with consecutive numbers, if the itemItem or Items have not already been paid. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a A stop payment order if we do not have must be received in time to give us a reasonable opportunity to act on it before final our stop payment cut-off time. Our stop payment cut-off time is one hour after the opening of the itemnext Business Day after the Business Day on which we receive the Item. Additional limitations on our obligation to stop payment are provided by law. We must receive the request in a time and way that gives us a reasonable opportunity to act on it. To be binding on us, a stop payment order must precisely identify the account number, check number, date, and amount of the Item, and the payee. The information must also be accurately reflected on the MICR line of the check. You agree that we cannot stop payment on the check if the information on the MICR line is not correct. You may furnish notify us by mail, telephone, or in person at one of our branch offices. If you notify us by telephone, you must confirm your stop payment order in writing within 14 calendar days; and if you do not provide written confirmation within such time, we may remove the order. If confirmed in writing, stop payments are effective for six (6) months. You must place a new stop payment if you do not want us to pay the check after the previous stop payment order expires. You will be charged a fee every time you request a stop payment, even if it is a renewal of a previous stop payment request. You understand that we may accept or cancel the stop payment order orally, request from any of the owners or in writingauthorized signers of the account regardless of who signed the check or authorized the transfer. Our acceptance of a stop payment request does not constitute a representation by us that the Item has not already been paid or that we have had a reasonable opportunity to act on the request. If you give us we have not already paid an oral Automated Clearing House (ACH) debit from your account, then at your request and risk we may accept a stop payment order, then it will be effective for 14 calendar daysorder on it. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in takes effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.three

Stop Payments. If 24.1 You may not stop payment on Items we have certified or paid in cash, or on money orders, cashier’s cheques, other official cheques or withdrawal orders, if we choose to do or issue any of the foregoing. You also may not stop payment on wire transfers and certain other types of electronic entries or fund transfers, or on Visa Debit Card or other debit card transactions or fund transfers, unless other agreements between you want and us relating to those fund transfer methods so permit, and then your right to stop payment will be subject to the terms and conditions of those other agreements. You may, however (unless you or we are limited, restricted or prohibited by applicable law or any other agreement), stop payment on a check you other Items drawn on the Account that we have writtennot paid, you must place a written provided we receive the stop payment order at the branch office which holds the account before it is finally paid through such method(s) and in such location(s) as may be approved by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish in time to give us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final the Item is presented for payment or is otherwise required to be paid. 24.2 You must provide us exact written Instructions for us to execute your stop-payment orders, including account number, Item number, amount, date, and payee of the itemItem. You may furnish the We will not have any liability to you or any other person for our failure to execute any stop payment order orallyon which exact written Instructions are not supplied to us within a reasonably sufficient time for us to execute your order. We will accept a stop-payment order from you (including any joint Account holder) or any of your Authorized Agents, regardless of who signed or otherwise authorized the Item. We will not be required to observe any stop-payment order, unless it is confirmed in writing and delivered to us during our regular business hours at our offices to a designated officer in charge of Accounts. 24.3 For items other than electronic fund transfers, as defined elsewhere below, a stop payment order is generally effective for only six months unless renewed by you in writing, and we may pay the Item after such time if the order is not renewed. We may charge you a fee for each stop-payment order and each renewal thereof, and the current amount of our stop- payment fee will be disclosed on our Schedule of Fees. 24.4 You agree to indemnify and hold us harmless against any and all loss, liability, claims, damages, costs and expenses, including any attorneys fees, we may incur for refusing payment of any Item or reversing or revoking any transfer instruction or related to our honouring your stop-payment order, including for the amount of the Item. You also discharge the Bank from any responsibility resulting from payment of such Item(s) or completion of any reversed or revoked Instruction being made due to your failure to furnish us with accurate information as to the Item(s) to be countermanded or your Instructions to be reversed or revoked, provided that we may treat all funds transfer Instructions as final and not subject to stop-payment or recall and you shall not have the right to reverse, adjust or revoke any instruction after it is received by us except with our consent; such consent to be invalid if the Instruction shall have already been acted upon by us prior to our acting upon adjustment, reversal or revocation. If you give us we re-credit the Account after paying an oral Item over a valid, timely stop payment order, then it will be effective you agree to transfer to us your rights against the payee or other holder of the Item and assist us in any legal proceedings against that person, including providing us such information as we may request regarding the reason for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming and any dispute with the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to payee or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimother holder.

Stop Payments. If ‌ You may stop payment on a check drawn on your account, and we will charge a Stop Payment Request Fee. However, you want cannot stop payment if we have already certified, paid, or otherwise become responsible for the check. For example, you cannot stop payment on a check we have already cashed because we became responsible for the transaction as soon as we cashed it. Any one owner or authorized signer of an account may order us to stop payment on a check you have writtendrawn on the account. Please see the “Electronic Fund Transfers” section of this booklet for how to place a stop payment on recurring electronic payments. (Also see section “Right to Stop Payment of Preauthorized Debit”.) We will not accept any instructions/requests to effect banking transactions via the Internet, unless expressly authorized under a duly executed Agreement with the Bank (e.g., IDB PassportSM, IDB AccessSM or online banking). To stop payment on a check, you must place a written stop payment order at give us the branch office which holds exact account number, check number, date written, payee and the account before it is finally paid by usamount of the check, so we can identify the item. Any authorized signer on discrepancy error, especially in amount (even as small as $.01), check number or account number, will prevent the account may furnish Bank from properly implementing a stop payment order. For example, a joint account holder and It may take up to one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of full business day from the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, time we will not be responsible for our failure to stop payment on the check. We will not be responsible for receive this information until a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the itembecomes effective. You may furnish the A stop payment order orally, is effective for a minimum of six (6) calendar months or until canceled by you in writing. If you give us an oral would like to extend the stop payment order, then it for an additional six (6) calendar months we must receive written instructions from you. We will be effective for 14 calendar days. The stop payment order will expire at the end not send a confirmation of 14 calendar days unless you give us a written notice of the your stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew When the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it have no duty to notify you except for identifying the item as paid on your accountstatement. There You agree that you will be responsible to us if any claim or demand is made against us as a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close result of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the having acted in accordance with your stop payment order. You agree to indemnifyreimburse us for any reasonable costs, defend and hold us harmless from all costs (except expenses or attorney's fees), actions, damages, claims, and demands related ’s fees that we may incur in defending ourselves against any such claims or demands. We are not required to or arising from our action in stopping payment on the check. You do not automatically have the right to accept a stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's ’s check, teller’s check (“official check”), or certified check, unless you provide us with a sworn statement – in a form we deem acceptable – that the check is lost, stolen stolen, or destroyed. After a stop payment is placed, please contact us for we are not required to refund the procedures money used to follow to obtain reimbursement purchase the check, or have the cashier's check reissued. In generalissue a replacement check, you will have to complete a Declaration of Loss form, describing the cashier's check until and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If unless the check is not presented during the for payment within 90 days waiting period, after the issue or certification date. If in our discretion we may pay the item agree to a person entitled to enforce refund or replace the check. If this happens, we will not pay your claimrequire that you purchase a surety bond for the amount of the check.

Stop Payments. Stop Payments on Checks. If you want request us to stop payment on a check you have written, you must place a will give written or other confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment order at request within the branch office 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the item or account with reasonable certainty and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months or other time period not less than six months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the item on which holds a Stop Payment Order has been placed has not yet cleared or been returned to you by the account before it payee, you may renew the Stop Payment Order for an additional six months by providing a request to us in a record or writing within the time period the Stop Payment Order is finally paid by usin effect. Any authorized signer on the account may furnish Our acceptance of a stop payment orderrequest does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request. For example, a joint account holder and one authorized signer We may request accept a stop payment request on an item which lost or stolen checks, whether a single check or series, unless our policy requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on the itemACH Debits. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment A Stop Payment Order may be placed on the itemeither a one-time debit transfer or on a multiple debit entry transfer. If you provide us with any incorrect informationrequest a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we will not be responsible for our failure to stop payment on must receive the check. We will not be responsible for request, orally or in a stop payment order if we do not have record or writing, in a period of time that provides us a reasonable opportunity to act on it before final payment prior to acting on the debit entry, otherwise the Stop Payment Order shall be of the item. You may furnish the stop payment order orally, or in writingno effect. If you give us an oral requested a stop payment orderon a multiple or future debit entry transfer, then it will we must receive the Stop Payment Order, orally or in a record or writing, at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be effective supplied to us. Oral stop payment orders are binding on us for 14 calendar daysdays only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order A Stop Payment Order on an ACH debit will remain in effect for six months and must be renewed by you every six months until the earlier of 1) your withdrawal of the Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to remain in effectmore than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. If you do not renew the When a stop payment order when it expires, and the item is presented for paymentplaced on a multiple or future debit entry transfer, we may pay the item and charge it to require your account. There is confirmation in a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against record or writing stating that you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us canceled your authorization for the procedures to follow to obtain reimbursement or have transfer with the cashier's check reissuedpayee (a Stop Payment Order does not revoke authorization). In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimWritten communication includes communication by electronic record.

Stop Payments. If you want We may accept an order to stop payment on a check any item from you, so long as you have written, you must place a written stop make any stop- payment order at in the branch office which holds the account before manner required by law and we must receive it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish in time to give us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop payment order must precisely identify the number, date, amount of the item, and the payee.‌‌ You may stop payment on any item drawn on your account whether you sign the item or not. Generally, stop-payment orders are effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Digital One Business are considered signed electronically by the person logged into the system and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment transaction and agree that its electronic signature will be enforceable as and to the full extent of a hand- written signature(s), whether in court (state or federal), arbitration or otherwise. Consenting Party will not raise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed.‌ A release of the stop-payment request may be made only by the person who initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys’ fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may furnish the stop payment order orally, or in writingtake against such persons. If you give us an oral stop payment order, then it will You should be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and aware that anyone holding the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop stop-payment orderorder.‌‌ ▇▇▇▇ Pay payments may be edited or cancelled until the payment status shows as processing or processed. You agree If you need to indemnifycancel a processed payment, defend and hold us harmless from all costs please contact our Electronic Banking Department at (except attorney's fees), actions, damages, claims, and demands related ▇▇▇) ▇▇▇-▇▇▇▇ for assistance. Surrey Bank & Trust makes optional ▇▇▇▇ Pay service available to or arising from our action in stopping payment on the checkcustomers as a convenience. You do not automatically need to use ▇▇▇▇ Pay to have access to Digital One Business. When you use the ▇▇▇▇ Pay service, you authorize us to debit your account and remit funds on your behalf. We reserve the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from usrefuse to pay any payee designated by you. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happensdo so, we will not pay your claimnotify you.

Stop Payments. If you want Allows your Authorized Representatives to initiate stop payment(s) on check(s) drawn on your Eligible Accounts via on-line instructions to the Financial Institution, irrespective of the signer on the item. This feature cannot be used to stop payment on an automated clearing house (ACH) transfer, a check you have writtenwire transfer, you a debit card transaction, or a paper draft. To access the Stop Payment Service, your Authorized Representative must place a written stop log-on to the services by entering his or her Access Codes as directed by the Internet Banking screen message and select “Stop Payments” from the account level menu. To be effective, the stop-payment order at must precisely identify the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For examplenumber, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one amount of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) payee. You authorize us to follow the Stop Payment instructions that we receive on-line via access that was gained through the use of the check Access Codes for the appropriate Authorized Representative(s) and to debit the name Eligible Account (or any of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible your other accounts) for a stop payment order if we do not have fee in accordance with the Financial Institution’s current schedule of fees. We must receive the Stop Payment instruction in time to give us a reasonable opportunity to act on it before final our stop-payment cutoff time. Our stop- payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item, unless we have, due to certain “same day” transactions, essentially honored the item before the cutoff time, such as would occur if we paid the item in cash or we issued a cashier’s check, or other official check, for the item. You We will acknowledge our receipt and processing of Stop Payment instructions by an “approved” message appearing on the Stop Payment screen. Given the above limitations about certain “same day” transactions, however, such “approved” message does not mean that the Financial Institution has successfully stopped payment on the item. Stop Payment requests are valid for a period of two (2) years unless your Authorized Representatives instructs us to cancel it or to renew it, provided that we have not already returned the check. The order may furnish be renewed for additional two (2) years periods at the fee in effect when the renewal is placed. Your Authorized Representative may cancel a stop payment at any time, in person, at the Financial Institution, or by calling the Financial Institution’s Customer Service Center at ▇▇▇-▇▇▇-▇▇▇▇. If we are notified by telephone, we will request that your Authorized Representative confirm your request in writing. We may pay the check when the stop payment order orally, or in writingexpires. If you give us an oral write a new check to replace one on which you have placed a stop payment order, then be sure it will be effective has a different check number and date. It is also helpful to write the word “replacement” on it so it is not mistaken for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the original check. You do not automatically have the right Stop payment requests sent to stop payment on point-of-sale Debit Card transactions, cashier's checks us via electronic mail (via your personal or money orders you purchase from us. If a cashier's check is lost, stolen company email system) or destroyed, please contact us for in any manner other than the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If set forth in this happens, we paragraph will not pay your claimbe accepted.

Stop Payments. If you want You may, by order to the Bank, stop payment of checks, and in some cases, other types of transactions (all of the foregoing, “items”), payable from your Account. You may not, however, stop payment on a cashier’s check you have writtenor certified check and, as noted elsewhere above, you must place a written may not stop payment on any transactions initiated using your Card. The stop payment order must be received by the Bank at such time and in such manner as to afford the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have Bank a reasonable opportunity to act on it before final payment of prior to any action by the Bank with respect to the item. You may furnish the stop payment order orally, or in writing. If you give us an oral For purposes of determining whether to act on a stop payment order, then an item is deemed received when it will is presented by electronic or other means, or at an earlier time based on notification received by us that an item drawn on your Account has been deposited for collection in another financial institution, and no more than one such determination need be effective for 14 calendar daysmade. All stop payment orders which are received by the Bank on a Saturday, Sunday, or a Bank and/or federal holiday, shall be treated as having been received on the next business day. Because items are retrieved by a computer, you must inform the Bank of the exact amount of the item, the item number, date, payee, and account number. The Bank is not responsible for failure to stop payment order if the item is not defined with reasonable certainty. If you request a stop payment on a check that is presented to us for payment electronically (such as a substitute check, converted check, remotely created check, or imaged check) and that does not contain the check number, we will expire at attempt to stop payment based on the end of 14 calendar days unless information you give us provided. However, we will have no liability for our inability to stop payment on such an electronic item, as our stop payment process for checks is dependent upon the ability to read a written notice of the check number. You may be charged a stop payment fee even if we are unable to implement any stop payment order. Upon confirming , whether in the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requestedcircumstances just described or otherwise. A stop payment order comes too late to prevent us is effective for six (6) months from the date it was received and may be renewed in writing for additional six (6) month periods. The Bank may recredit your account after paying an item if we do not receive the over a valid and timely stop payment by order to the close extent of any loss you actually suffered. You must prepare and sign a statement fully describing the business hour dispute establishing your rights against the payee, agree to transfer to the Bank all of your rights against the banking day of receipt payee or other holder of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our assist the Bank in any legal action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimtaken against that party.

Stop Payments. If you want to stop payment on a check you have written, you must place a written stop payment order at the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether or not that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee person you wanted to pay in order for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may furnish the stop payment order orally, or in writing, or through Online/Internet Banking at ▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇▇. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, expires and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Electronic stop payment requests submitted through our Online/Internet Banking service may not be effective in stopping the payment of checks that have been posted to, but not finally paid, from your account on the preceding day. In order to prevent those checks from being paid, you must contact one of our customer representatives in person, by telephone or in writing within one hour that the branch opens on the day following the day we post the items to your account. You also should contact the branch if you wish to stop the payment of a check that has been converted to an electronic transaction by a merchant. If we pay a check which has a valid stop payment order on it with correct information, we may be responsible to you up to the face amount of the item if you establish that you have suffered a loss because we paid the item. You agree to assign to us all of your rights against the payee and/or any other holder of your check. You also agree to cooperate fully with us in any legal actions that we subsequently take against such persons. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If In the event that a cashier's check is lost, stolen or destroyed, please contact us [at ▇-▇▇▇-▇▇▇-▇▇▇▇] for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days day waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.

Stop Payments. If you want to stop payment 1. The Bank shall accept Stop Payment Orders on a check you have writtenchecks and preauthorized debits (i.e. insurance policies and other payments) from any Account Holder. Stop Payment Orders shall be placed in the printed forms provided by the Bank for this purpose, you must place a written or by telephone through TeleBanco Popular. A stop payment order at may be subject to applicable charges as established by the branch office which holds the account before it is finally paid by usBank from time to time. 2. Any authorized signer The Bank will confirm your telephone stop payment orders in writing on the account may furnish a stop payment orderfollowing business day. 3. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing All Stop Payment Orders shall become effective on the item. You must furnish us with business day following the dateday it was placed, in order for the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us Bank to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act upon the order. If the Stop Payment Order is placed on a non business day, it before final payment shall be deemed to have been placed on the business day following the actual date of placement of the itemorder. You may furnish In that event, the stop payment order orally, or in writingStop Payment Order shall be effective on the second business day. 4. If you give us an oral stop payment order, then it A Stop Payment Order will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months invalid and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and inoperative if the item is presented for payment, we may pay paid or a debit is performed prior to the effective date of the order. Acceptance by the Bank of a Stop Payment Order does not constitute a representation that the item and charge has not been paid. 5. The Bank shall not be liable for Stop Payment Orders placed after the checks have been paid, or for errors or omissions in the information provided by You about the item, which may prevent the Bank from enforcing the Stop Payment Order. 6. Upon placing a Stop Payment Order, You guarantee that You have not received any benefit, credit, merchandise or service in consideration for the check or pre-authorized debit which payment You seek to stop. 7. You agree that, in case any claim is made to the Bank for payment of a check or preauthorized debit while a Stop Payment Order was in effect, You will present to the Bank proof of any loss claimed, BRA-534A / 5-18 (PDF) 3 4 BRA-534A / 5-18 (PDF) together with a sworn statement before a notary public confirming the guarantee required in the preceding paragraph 6. 8. You agree that the Stop Payment Order will be valid for six (6) months (180 days), from the date of the request, unless prior to the expiration of the original six-months term You cancel the order or request it be renewed for an additional six (6) months (180 days). 9. You agree to your accountindemnify the Bank for any damage, expense, or cost incurred by the Bank as a consequence of any claim from the endorser, or any other person, for having honored the request for a Stop Payment Order. 10. There is a charge for each For stop payment order orders on preauthorized debits, such as insurance policies and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive other payments, You shall request the stop payment by the close cancellation of the business hour debit first to the issuer and submit to the Bank copy of the banking day of receipt of letter requesting the itemcancellation. Anyone holding Only then will the check, including the Bank, may Bank be entitled able to enforce payment against you despite the proceed with stop payment order. You agree must request the stop payment order fifteen (15) days prior to indemnify, defend and hold us harmless the effective date of the pre-authorized debit. The Stop Payment Order will only apply to the payment processing system utilized by the company at the time You request the stop payment. 11. A Stop Payment Order with regards to a postdated check shall be effective from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping the next business day following the date when the stop payment on order is placed until the day before the effective date of the check. You do not automatically have , unless the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check order is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued cancelled before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable timeits expiration. If the check stop payment is presented during requested on a non-business day, it will be deemed requested on the 90 days waiting periodnext business day after the date of the request. In this case, we may pay the item to a person entitled to enforce stop payment order will be effective on the check. If this happens, we will not pay your claimsecond business day.

Stop Payments. If you want to At your request, we may stop payment on a check drawn against your account, as applicable, provided you have writtenmeet our conditions to effect such a request, subject to a ser- vice charge. We may accept the Stop Payment request from any of the joint owners of the account (if the account is jointly owned) whether or not that joint owner is the signer of the check. In order to place a stop payment order, you must place tell us the exact amount of the item, the number of the check, and the number of the account; otherwise, our computer may not catch the stop order. If you produce a check by computer or in any other manner that does not contain a magnetic-encoded check number, we may not be able to honor the stop order. We are not responsible if the item in question is not described with reasonable certainty, and we are entitled to a reasonable period of time after we receive a stop order to notify our employees. You may notify us either orally or in writing to stop payment. An oral stop payment order on a check is binding on us only for 14 days unless confirmed in writing within this period. A written stop payment order at is effective for 6 months, unless renewed in writing prior to the branch office which holds order becoming ineffective. A fee, as set forth in the account before it is finally paid by us. Any authorized signer on the account may furnish a separate fee schedule, will apply to all stop payment order. For exampleorders, a joint account holder and one authorized signer may request a including renewals of stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the itemorders. If you provide us with any incorrect information, we will not be responsible for our failure fail to stop payment on the check. We will not be responsible for honor a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral timely and accurate stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at we reserve the end of 14 calendar days right not to recredit your account unless you give us a written notice can demonstrate the fact and amount of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effectyour loss. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive recredit your account after paying a check over a valid and timely stop order, you agree to sign a statement describing the stop payment by dispute with the close payee or other holder of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled and to enforce payment assist us in legal action taken against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the checkthat person. You do not automatically have the right to stop payment on point-of-sale Debit Card transactionsa cashier’s check, cashier's checks an official check, a teller’s check, a certified check, a money order or money orders a traveler’s check you purchase have purchased from us. If a cashier's We have no responsibility to stop payment on any check is lost, stolen or destroyed, please contact us for the procedures other item not conforming to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check our printing and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimencoding specifications.

Stop Payments. Stop Payments on Checks. If you want request us to stop payment on a share draft/check you have written, you must place a written stop payment order at will givewritten or other confirmation as allowed by us within 14 days of making the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the itemrequest. If you provide us with any incorrect informationfail to confirm an oral stop payment request within the 14 days, unless our policy provides otherwise, we will not reserve the right to cancel the request. Stop Payments on ACH Debits. A Stop Payment Order may be responsible for our failure to stop payment placed on either a one-time debit transfer or on a multiple debit entry transfer. If you request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we must receive the check. We will not be responsible for request, orally or in a stop payment order if we do not have record or writing, in a period of time that provides us a reasonable opportunity to act on it before final payment prior to acting on the debit entry, otherwise the Stop Payment Order shall be of the item. You may furnish the stop payment order orally, or in writingno effect. If you give us an oral requested a stop payment orderon a multiple or future debit entry transfer, then it will we must receive the Stop Payment Order, orally or in a record or writing, at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be effective supplied to us. Oral stop payment orders are binding on us for 14 calendar daysdays only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order A Stop Payment Order on an ACH debit will remain in effect for six months and must be renewed by you every six months until the earlier of 1) your withdrawal of the Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to remain in effectmore than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. If you do not renew the When a stop payment order when it expires, and the item is presented for paymentplaced on a multiple or future debit entry transfer, we may pay the item and charge it to require your account. There is confirmation in a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against record or writing stating that you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us canceled your authorization for the procedures to follow to obtain reimbursement or have transfer with the cashier's check reissuedpayee (a Stop Payment Order does not revoke authorization). In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimWritten communication includes communication by electronic record.

Stop Payments. Stop Payments on Checks. If you want request us to stop payment on a check you have written, you must place a will give written or other confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment order at request within the branch office 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the item or account with reasonable certainty and we must receive the request in a time an way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months, or 2) until we receive written revocation of the stop payment. If the item on which holds a Stop Payment Order has been placed has not yet cleared or been returned to you by the account before it payee, you may renew the Stop Payment Order for an additional six months by providing a request to us in a record or writing within the time period the Stop Payment Order is finally paid by usin effect. Any authorized signer on the account may furnish Our acceptance of a stop payment orderrequest does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request. For example, a joint account holder and one authorized signer We may request accept a stop payment request on an item which lost or stolen checks, whether a single check or series, unless our policy requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on the itemACH Debits. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment A Stop Payment Order may be placed on the itemeither a one-time debit transfer or on a multiple debit entry transfer. If you provide us with any incorrect informationrequest a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we will not be responsible for our failure to stop payment on must receive the check. We will not be responsible for request, orally or in a stop payment order if we do not have record or writing, in a period of time that provides us a reasonable opportunity to act on it before final payment prior to acting on the debit entry, otherwise the Stop Payment Order shall be of the item. You may furnish the stop payment order orally, or in writingno effect. If you give us an oral requested a stop payment orderon a multiple or future debit entry transfer, then it will we must receive the Stop Payment Order, orally or in a record or writing, at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be effective supplied to us. Oral stop payment orders are binding on us for 14 calendar daysdays only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order A Stop Payment Order on an ACH debit will remain in effect until the earlier of 1) your withdrawal of the Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple or future debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for six months the transfer with the payee (a Stop Payment Order does not revoke authorization). Written communication includes communication by electronic record. The Stop Payment Order shall be governed by the provisions of Article 4A of the Uniform Commercial Code as adopted by the state in which the account is opened, the Electronic Fund Transfer Act (Regulation E), NACHA Operating Rules, and must any applicable state law. You may be renewed by charged a fee every time you every six months to remain in effectrequest a Stop Payment Order and for each Stop Payment Order renewal you make. If you do not renew You understand that we may accept the stop payment order when it expires, and request from any of the item is presented for payment, we may pay joint owners of the item and charge it to your account. There is a charge for each stop payment order and renewal order requestedaccount regardless of who signed the check or authorized the transfer. A stop payment order comes too late to prevent us from paying an item if we do not receive release of the Stop Payment Order may be made only by the person who initiated the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimrequest.

Stop Payments. Stop Payments on Checks. If you want request us to stop payment on a check you have written, you must place a will give written or other confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment order at request within the branch office 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the check or account with reasonable certainty, and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months or other time period not less than six months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the check on which holds a Stop Payment Order has been placed has not yet cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing written or other confirmation as allowed by us within the time period the Stop Payment Order is in effect. You may be charged a fee every time you request a stop payment, even if it is a continuation of a previous stop payment request. You understand that we may accept the stop payment request from any of the joint owners of the account before it is finally paid by usregardless of who signed the check or authorized the transfer. Any authorized signer on the account may furnish Our acceptance of a stop payment orderrequest does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request. For example, a joint account holder and one authorized signer We may request accept a stop payment request on an item which lost or stolen checks, whether a single check or series, unless our policy requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on the itemACH Debits. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment A Stop Payment Order may be placed on the itemeither a one-time debit transfer or on a multiple debit entry transfer. If you provide us with any incorrect informationrequest a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, or on a multiple or future debit entry transfer, we will not be responsible for our failure to stop payment on must receive the check. We will not be responsible for request, orally or in a stop payment order if we do not have record or writing, in a period of time that provides us a reasonable opportunity to act on it before final payment prior to acting on the debit entry, otherwise the Stop Payment Order shall be of the itemno effect. You Requests to stop all future payments on an ACH debit transfer may furnish the require additional documentation to be supplied to us. Oral stop payment order orally, or in writing. If you give orders are binding on us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days only, unless you give us a written notice of the stop payment order. Upon confirming the order in writingour policy provides otherwise, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.be

Stop Payments. If you want to stop payment on a check you have written, you must place a written stop payment order at the branch office which holds the account before it is finally paid by us. Any authorized signer on the account You may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for ask us to stop payment on individual checks, or on two or more checks with consecutive numbers, if the item or items have not already been paid. A stop-payment order must be received in time and with adequate information to give us a reasonable opportunity to act on it in the normal course of business. Additional limitations on our obligation to stop payment are provided by law. A stop-payment order must precisely identify the Account number, check number, date, and amount of the item, and the payee. If you provide us with any incorrect information, The information must also be accurately reflected on the magnetic ink character recognition (MICR) line of the check. You agree that we will cannot be responsible for our failure to stop payment on the checkcheck if the information on the MICR line is incomplete or incorrect. We You may request a stop- payment order in person by visiting one of our branches, a list of which can be found at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You may also request a stop-payment order by calling ▇-▇▇▇-▇▇▇-▇▇▇▇. If you attempt to issue a stop-payment order by telephone, we will confirm your stop- payment order in writing and the information in our confirmation will be presumed accurate and complete unless you notify us of an inaccuracy within fourteen (14) calendar days after we send you the confirmation notice. If you do not receive the confirmation notice in a timely manner, please let us know and request it again. Stop payments on checks are effective for 180 calendar days. You must place a new stop payment if you do not want us to pay the check after the previous stop-payment order expires. You will be responsible for charged a fee every time you request a stop payment, even if it is a renewal of a previous stop-payment request. You could also decide to close the Account. You understand that we may accept or cancel the stop-payment request from any of the owners or authorized signers of the Account regardless of who signed the check or authorized the transfer. Our acceptance of a stop-payment request does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request. If we have not already paid an ACH debit from your Account, then at your request and risk we may accept a stop-payment order if on it. The stop-payment order takes effect within three (3) business days after we do not receive sufficient detail to place the stop-payment and have a reasonable opportunity to act on it before final in the normal course of business. If you issue a stop-payment order by telephone, we will confirm your stop-payment order in writing and the information in our confirmation will be presumed accurate and complete unless you notify us of an inaccuracy within fourteen (14) calendar days after we send you the confirmation notice. If you do not receive the confirmation notice in a timely manner, please let us know and request it again. Otherwise, your order is effective for 180 calendar days; provided, however, for recurring ACH debits on consumer Accounts, we keep a stop-payment order you place on recurring ACH debits in effect until the longer of either 180 calendar days or until we believe the merchant has stopped submitting the recurring ACH debit. To place a stop-payment order on an ACH debit, we may require you to provide your name and telephone number, the type of Account (checking or savings), the company name and company identification number used by the sender of the itemACH debit. You may furnish can obtain the stop payment order orally, or in writingcompany name and company identification number used by your sender from your statement by looking at a prior ACH debit from this sender that posted to your Account. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless wrong company identification number or if any other information you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do provide is not renew the stop payment order when it expires, and the item is presented for paymentaccurate, we may pay the transaction. If the information you provide us for any stop payment is incorrect or incomplete (i.e. if the information is not sufficient for us to match the check or ACH debit on which you wish to stop payment) or if the item and charge it on which you place a stop-payment order does not contain magnetic-encoded check number, our computer system may not be able to match the check or ACH debit with the stop-payment request prior to such check or ACH debit posting to your accountAccount. There is If we are subsequently able to identify the check or ACH debit as a charge for match to your stop-payment request during our reconcilement process, despite the missing or incorrect information (each stop payment order such matched check or ACH debit, a "Matched Stop Payment Item"), we may be able to try to then reverse the posting of the Matched Stop Payment Item and renewal order requestedre-credit the funds to your Account on the next business day after it posted. A stop payment order comes too late to prevent us from paying an item if we do not receive During the stop payment interim between posting and re-credit, however, your available balance will be reduced by the close amount of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled check or ACH debit that was posted and you will not have access to enforce payment against you despite the stop payment ordersuch funds. You agree that we will not be liable to indemnifyyou for wrongful dishonor of any NSF item (i.e. any check, defend debit card transaction, ATM card transaction, ACH transfer, withdrawal or other debit item) that is not paid by us or is returned by us unpaid due to insufficient funds during the period of time between the posting and re-credit of the Matched Stop Payment Item, nor will we be liable for or obligated to waive any NSF or overdraft fee that may be charged to your Account as a result of our return or payment of such NSF item. We are not required to notify you when the stop-payment order expires, after which time any item we honor or pay will be deemed conclusively paid and you waive any claim to the contrary. If we refuse to pay an item pursuant to your stop-payment order, you release us and hold us harmless from all costs (except and expenses incurred by us, including our attorney's ’s fees), actions, damages, claims, and demands related to or arising resulting from our refusal to pay the item. If we re-credit your Account after paying an item over a valid stop-payment order, you agree to assign or otherwise transfer to us in writing all of your rights you have against the payee or other holder of the item. You further agree to assist us in any legal action in stopping we may take against such payee or holder. If we fail to honor a valid stop-payment on order, we reserve the checkright to require you to demonstrate to our reasonable satisfaction the amount of your loss and we may only be liable to you for the lesser of the amount of the loss or the amount of the item. You do not automatically have the right to stop payment on point-of-sale Debit Card transactionsan official check, a cashier's checks ’s check, a teller’s check, a certified check, a money order or money orders a traveler’s check you purchase have purchased from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimexcept as expressly stated below.

Stop Payments. If you want to stop payment on a check you have written, you must may place a written stop payment order at the a branch office which holds the account or contact our Call Center to stop payment before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee in order for us to stop payment on the item. If you provide us with any incorrect or incomplete information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may not stop payment on a check guaranteed by us. You may furnish the stop payment order orally, orally or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six (6) months and must be renewed by you every six (6) months to remain in effect. If you do not renew the stop payment order when it expires, expires and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A See Fee Schedule. In some cases, we may pay an item even if a stop payment request is in effect. If we, or another person or entity, is determined by us to be a “holder in due course” of the item, we may pay the item. If we pay a check which has a valid stop payment order comes too late on it with correct information, we may be responsible to prevent us from paying an you for up to the face amount of the item if you establish that you have suffered a loss because we do not receive the stop payment by the close of the business hour of the banking day of receipt of paid the item. You agree to assign to us all of your rights against the payee and/or any other holder of your check. You also agree to cooperate fully with us in any collection or legal actions that we subsequently take against such persons. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend defend, and hold us harmless from all costs (except attorney's fees)costs, actions, damages, claims, claims and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.

Stop Payments. If The stop payment feature within Online Banking allows you want to submit a request to stop payment on a check checks you have written, you must place . The Online Banking stop payment feature cannot be used to cancel transfers between your Accounts with us or to stop electronic bill payments. You may withdraw a written stop payment order initiated via Online Banking only in writing or in person at the one of our branch office which holds the account before it is finally paid by usoffices. Any authorized signer on the account may furnish a Your stop payment order. For example, a joint account holder requests must follow the procedures and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of specifications established by the two signatures appearing on the itemBank. You must furnish provide us with timely, complete and accurate information on the date, following: • The number of the account against which the item is drawn • The check number, and the number • The exact amount (dollars and cents) of the check and the item • The name of the payee • The reason for us to the stop payment Complete accuracy is essential since stop payment orders are processed by computers operating on the itembasis of precise data. If you provide us with any incorrect informationof the required information is incomplete or incorrect, your stop payment order may not be processed, and we will not be responsible for our failure failing to complete the order. The Bank shall not be liable if, as a result of payment of the item subject to this request, other items drawn by you are returned due to insufficient funds. You will notify us promptly of the issuance of a check or item that is a duplicate of the check or item subject to this stop payment on order, or upon the return of the original check. The Bank shall not be liable for payment of any item subject to a stop payment order upon the expiration or withdrawal of such order, and the Bank may, in its discretion, refuse to honor any such item pending your instruction. Stop payment requests that cover a range of checks that are missing or stolen may be processed by us without regard to the dollar amount. A stop payment order becomes effective when we confirm its receipt and have verified that the item has not been paid. We will not be responsible able to verify this immediately for a stop items paid more than 180 days prior to your request. Stop payment order if we do not have a reasonable opportunity to act orders on it before final payment of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain checks are in effect for six (6) months and must can be renewed by you every after the six months (6) month period upon your written request. Failure to remain in effect. If you do not renew the stop payment order when it expires, and may result in the item is presented for paymentbeing paid. Periodically, we our systems may pay the item and charge it to your accountbe inoperable. There is a charge for each If that occurs, you may transmit stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment orders by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment ordertelephone instruction. You agree to indemnifyare advised that under applicable state law, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on a check may not relieve you of your obligation to pay the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.

Stop Payments. If you want to stop payment on a check you have written, you must place a written stop payment order at the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether or not that authorized signer▇▇▇▇▇▇'s signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee person you wanted to pay in order for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may furnish the stop payment order orally, or in writing, or through Online/Internet Banking at ▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇▇. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, expires and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Electronic stop payment requests submitted through our Online/Internet Banking service may not be effective in stopping the payment of checks that have been posted to, but not finally paid, from your account on the preceding day. In order to prevent those checks from being paid, you must contact one of our customer representatives in person, by telephone or in writing within one hour that the branch opens on the day following the day we post the items to your account. You also should contact the branch if you wish to stop the payment of a check that has been converted to an electronic transaction by a merchant. If we pay a check which has a valid stop payment order on it with correct information, we may be responsible to you up to the face amount of the item if you establish that you have suffered a loss because we paid the item. You agree to assign to us all of your rights against the payee and/or any other holder of your check. You also agree to cooperate fully with us in any legal actions that we subsequently take against such persons. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If In the event that a cashier's check is lost, stolen or destroyed, please contact us [at ▇-▇▇▇-▇▇▇-▇▇▇▇] for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days day waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.

Stop Payments. If you want to You may place a stop payment payment, utilizing CeB, on a any check that you have written. If you do, you agree to the following terms and conditions: o The information on the stop payment must place precisely identify the check number, the payee and the amount of the check. If you do not give exact information, the Bank assumes no responsibility for stopping payment. o The stop payment must be received in time to give us a written reasonable time to act upon it. Stop payments received before 3:00 p.m. on Monday through Friday, excluding legal holidays are processed on the day received. Stop payments received after 3:00 p.m. or on a weekend or legal holiday may not be processed until the next business day. A stop payment must be received before the check has been presented for payment. o The stop payment order at is effective for six months unless renewed through CeB or in writing before the branch office expiration of six months. If the stop payment order is not renewed before the expiration of six months, it will automatically terminate and the Bank is free to pay the check. In such an instance, you hereby agree to release and do waive any and all claims against the Bank with respect to the stop payment order or the check itself and you further agree to indemnify and hold the Bank harmless with regard to any and all claims involving the stop payment order and/or check, which holds includes the account before it Bank’s reasonable attorney fees and costs. o You understand that there may be claims or demands made against the Bank as a result of your request to the Bank. You agree that you will defend the Bank and will be responsible to the Bank if any claim or demand of whatever nature, is finally paid by usmade against the Bank with respect to a stop payment order and/or the check itself. Any authorized signer on You agree to indemnify and defend the account Bank and to reimburse the Bank for any reasonable costs, expenses or attorney’s fees that the Bank may furnish incur in defending itself against any such claims or demands. You understand that the Bank will use all reasonable efforts to comply with a stop payment order. For exampleHowever, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether you understand fully that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, unless the check number, the payee and the exact amount (dollars and cents) of the check are correctly entered on the stop payment order, the Bank assumes no responsibility for stopping payment and is not liable to you if a stop payment cannot be accomplished. o You agree to pay a stop payment fee, as noted in ConnectOne Bank’s Miscellaneous Bank Fees and Charges, for each new stop payment and for each renewal of a stop payment entered through CeB. o You must contact the name of the payee for us Bank to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment automatic debits processed by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs Automated Clearing House (except attorney's feesACH), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came as this request requires additional documentation to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimcompleted.

Stop Payments. If you want We may accept an order to stop payment on a check any item from you, so long as you have written, you must place a written stop make any stop- payment order at in the branch office which holds the account before manner required by law and we must receive it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish in time to give us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop payment order must precisely identify the number, date, amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, stop-payment orders are effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Online Banking are considered signed electronically by the person logged into Online Banking and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment transaction and agree that its electronic signature will be enforceable as and to the full extent of a hand- written signature(s), whether in court (state or federal), arbitration or otherwise. Consenting Party will not raise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys’ fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may furnish the stop payment order orally, or in writingtake against such persons. If you give us an oral stop payment order, then it will You should be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and aware that anyone holding the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop stop-payment order. You agree ▇▇▇▇ Pay payments may be edited or cancelled until the payment status shows as processing or processed. If you need to indemnifycancel a processed payment, defend please contact our Electronic Banking Department at (▇▇▇) ▇▇▇-▇▇▇▇ for assistance. Surrey Bank & Trust makes optional ▇▇▇▇ Pay service available to customers as a convenience. It is not required in order to have access to Online and/or Mobile Banking. When you use the ▇▇▇▇ Pay service in Online Banking and/or Mobile Banking, you authorize us to debit and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment remit funds on the checkyour behalf. You do not automatically have We reserve the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from usrefuse to pay any payee designated by you. If a cashier's check is lostwe do so, stolen we will notify you. We do not have joint agreements for our ▇▇▇▇ Pay Service. If you are an individual or destroyedsole proprietor, please contact us for you are the procedures to follow to only customer under this Agreement. However, any of your ▇▇▇▇ Pay funding accounts may be jointly owned with others. If joint account holders using ▇▇▇▇ Pay through Online Banking each obtain reimbursement or have the cashier's check reissued. In general, ▇▇▇▇ Pay Service — meaning that each of you will have separate access codes — this will be identified as two separate ▇▇▇▇ Pay accounts. Surrey Bank & Trust reserves the right to complete a Declaration of Loss form, describing the cashier's check and how it came limit ▇▇▇▇ Pay accounts to be lost, stolen one per household or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimBusiness Online Banking customer.

Stop Payments. If you want You may ask us not to stop payment on a pay any preauthorized electronic transfer or check you have writtenwritten from an Account of yours (each, you must place a “Transaction”), except if the payment is in the form of a certified check, managers check, or any other check that is governed by a check guarantee agreement, within at least three (3) Business Days before the schedule date of the transfer. Such requests may only be submitted in written form and through a BIBTC Stop Payment Request Form. All stop payment order at requests must be made to an authorized BIBTC employee by the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish Client or a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the itemCo-Holder. You must furnish give us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee and the exact date, number and amount of any Transaction you ask us not to pay. You must also give us any other information we request in order for us to stop payment on identify you and the item. If you provide stopped Transaction, and we must receive the request in a time and way that gives us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it. If you fail to do so, we will have no liability for failure to honor your stop-payment request. Written stop-payment requests are valid for six (6) months and may be renewed in writing any number of times. If your request was made verbally, you must submit a written confirmation within fourteen (14) days from the day you submitted your verbal stop-payment request. If the verbal stop payment request was not confirmed in such fourteen (14) day period, your stop-payment request will be cancelled. Your failure to give written notice shall not affect the validity of the stop- payment period. The stop-payment request of a recurring preauthorized transfer will suspend all further payments to the stated payee under this stated payment schedule until you notify us to resume payments. Each stop-payment order will take effect and be processed on the Business Day following the Business Day it before final was placed, so that we may have reasonable opportunity to act upon it. Stop- payment orders placed on a day that is not a Business Day will be deemed to be placed on the next Business Day following the actual day it was placed. In that event, the stop-payment order will take effect on the second Business Day. You agree that an Account’s authorized signatures, Client and Co-Holders, if any, may ask us to stop payment of any Transaction, even if the itemTransaction was executed by another individual. You may furnish the stop payment order orally, will be charged a fee each time you ask us (orally or in writing. If ) not to pay a Transaction and each time you give us an oral stop payment order, then it will be effective for 14 calendar daysrenew any such request. The amount of this fee is shown in each of your Account’s Terms and Conditions and may be changed by us from time to time. We will not be liable for failing to honor a stop-payment request if we did not have a reasonable time to act on the request, or if our failure to stop a payment causes some checks to be returned for insufficient funds. Our acceptance of a stop-payment request does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act upon the request. We may accept a stop-payment request on lost or stolen checks, whether a single check or a series, unless we believe it to be necessary to open a new Account for you to ensure your security. You release us from all responsibility and indemnify us for any damage, expense or attorney’s fees and/or expert’s fees, incurred by us for any claim presented by the holder and/or any endorser, endorsee or other person, for having honored the stop-payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimplaced.

Stop Payments. If you want to stop payment on a check you have written, you must place a written stop payment order at the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer You may request a stop payment on an item which requires two signaturesa check issued through the bill pay service with a refund into your account after the stop payment becomes effective (The stop payment order is placed with our third-party service provider). Please review Ent's Fee Schedule on ▇▇▇.▇▇▇/▇▇▇▇▇ for stop payment fees: a. You may request that a stop payment be placed on a bill payment made to a Payee through our bill pay option. The stop payment order will be effective if the credit union and service provider receives the order in time for them to act upon the order and you accurately provide the account number, regardless of whether that authorized signerthe amount, the Payee's signature was one of the two signatures appearing on the item. You must furnish us with name, payment confirmation number and the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide give us with any incorrect information, we will not be responsible for our failure failing to stop payment. If the stop payment on order is not received in time for us to act upon the check. We order, we will not be responsible liable to you or to any other party for payment. b. The stop payment order on a check will be in effect for six (6) months from the date of the stop payment order or until canceled in writing by an account holder. Ent is not obligated to notify you when a stop payment order if we do not have expires. c. An ACH stop payment order on a reasonable opportunity to act on it before final payment funds transfer or transaction will remain in effect until the earlier of (i) the item. You may furnish withdrawal of the stop payment order orallyby the account owners or online users, or in writing. If (ii) the return of a single debit entry (or if applied to a specific originator, the return of all debit entries. d. You should be aware that while payment of a funds transfer or transaction item may be stopped, you give us an oral stop payment ordermay remain liable to any person, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us including Ent, who is a written notice holder of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend indemnify and hold us harmless from all costs (except costs, including attorney's fees), actions, damages, claims, and demands damages or claims related to or arising from our Ent's action in stopping refusing payment on the check. You do not automatically have the right of a funds transfer or transaction item, including claims of any multiple party account owner, payee, or endorsee in failing to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders of an item as a result of incorrect information you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimprovided.

Stop Payments. You, or any joint owner on the account, may request a stop payment of any check payable against your account, provided your request is timely and affords us a reasonable opportunity to act upon it under our rules. You may request a stop payment through our CALL-24 system, our Online Banking system, or you may ask us orally. Your stop payment request must include your name, the date of the check, the payee of the check, the check number, your account number, exact amount (dollar and cents) of the check, and the reason for the request. This information must be exact because stop payment orders are processed using automated means. We will not be liable for paying a check over a stop payment request if the request is incomplete or incorrect. A stop payment fee will be assessed for each stop payment order or renewal thereof as set forth in our Fee Schedule. If you want make a stop payment request orally, the request will be valid for only fourteen (14) days thereafter unless confirmed in writing. Stop payments initiated using Online Banking are not considered accepted until we provide a stop payment confirmation to you. The ability to place a stop payment on a check you have writtenthrough Online Banking or our automated phone system may be limited by system availability. If the system is not available to accept your stop payment order, you must place a the stop order may be placed by contacting any Redstone branch during normal business hours. Written requests will be valid no longer than six (6) months but may be renewed for additional six (6) month periods by written notice given during the time that the stop payment order at the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the checkin effect. We will are not be responsible for obligated to notify you when a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the itemwill or has expired. You may furnish have the burden of establishing the fact and amount of loss resulting from payment contrary to a binding stop payment order orally, or in writingrequest. If you give us an oral stop payment order, then it will You should be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and aware that anyone holding the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop stop-payment order. You agree to indemnify, defend defend, and hold us harmless from and against any and all costs (except attorney's fees), actionsclaims, damages, claimslosses, liabilities, expenses, and demands related fees (including reasonable attorneys’ fees) arising out of or relating to or arising from our action in stopping payment on the check. You do not automatically have the right of any check pursuant to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimrequest.

Stop Payments. If you want to At your request, we may stop payment on a check drawn against your account, as applicable, provided you have writtenmeet our conditions to effect such a request, subject to a service charge. We may accept the stop payment request from any account owner or authorized signer whether or not that individual is the signer of the check. In order to place a stop payment order, you must place tell us the exact amount of the item, the number of the check, and the number of the account; otherwise, our computer may not catch the stop order. If you produce a check by computer or in any other manner that does not contain a magnetic-encoded check number, we may not be able to honor the stop order. We are not responsible if the item in question is not described with reasonable certainty, and we are entitled to a reasonable period of time after we receive a stop order to notify our employees. You may notify us either orally or in writing to stop payment. An oral stop payment order on a check is binding on us only for 14 days unless confirmed in writing within this period. A written stop payment order at is effective for 6 months, unless renewed in writing prior to the branch office which holds order becoming ineffective. A fee, as set forth in the account before it is finally paid by us. Any authorized signer on the account may furnish a separate fee schedule(s), will apply to all stop payment order. For exampleorders, a joint account holder and one authorized signer may request a including renewals of stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the itemorders. If you provide us with any incorrect information, we will not be responsible for our failure fail to stop payment on the check. We will not be responsible for honor a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral timely and accurate stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at we reserve the end of 14 calendar days right not to recredit your account unless you give us a written notice can demonstrate the fact and amount of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effectyour loss. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive recredit your account after paying a check over a valid and timely stop order, you agree to sign a statement describing the stop payment by dispute with the close payee or other holder of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled and to enforce payment assist us in legal action taken against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the checkthat person. You do not automatically have the right to stop payment on point-of-sale Debit Card transactionsa cashier’s check, cashier's checks an official check, a teller’s check, a certified check or money orders a traveler’s check you purchase have purchased from us. If a cashier's We have no responsibility to stop payment on any check is lost, stolen or destroyed, please contact us for the procedures other item not conforming to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check our printing and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimencoding specifications.

Stop Payments. Stop Payments on Checks. If you want request us to stop payment on a check you have written, you must place a will give written or other confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment order at request within the branch office 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the check or account with reasonable certainty, and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months or other time period not less than six months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the check on which holds a Stop Payment Order has been placed has not yet cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing written or other confirmation as allowed by us within the time period the Stop Payment Order is in effect. You may be charged a fee every time you request a stop payment, even if it is a continuation of a previous stop payment request. You understand that we may accept the stop payment request from any of the joint owners of the account before it is finally paid by usregardless of who signed the check or authorized the transfer. Any authorized signer on the account may furnish Our acceptance of a stop payment orderrequest does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request. For example, a joint account holder and one authorized signer We may request accept a stop payment request on an item which lost or stolen checks, whether a single check or series, unless our policy requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on the itemACH Debits. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment A Stop Payment Order may be placed on the itemeither a one-time debit transfer or on a multiple debit entry transfer. If you provide us with any incorrect informationrequest a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, or on a multiple or future debit entry transfer, we will not be responsible for our failure to stop payment on must receive the check. We will not be responsible for request, orally or in a stop payment order if we do not have record or writing, in a period of time that provides us a reasonable opportunity to act on it before final payment prior to acting on the debit entry, otherwise the Stop Payment Order shall be of the itemno effect. You Requests to stop all future payments on an ACH debit transfer may furnish the require additional documentation to be supplied to us. Oral stop payment order orally, or in writing. If you give orders are binding on us an oral stop payment order, then it will be effective for 14 calendar daysdays only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order A Stop Payment Order on an ACH debit will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew until the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to earlier of 1) your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close withdrawal of the business hour Stop Payment Order, or 2) the return of the banking day of receipt of the item. Anyone holding the checkdebit entry, including the Bankor, may be entitled where a Stop Payment Order is applied to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs more than one debit entry under a specific authorization involving a specific payee (except attorney's feesOriginator), actions, damages, claims, and demands related to or arising from our action in stopping payment on the checkreturn of all such debits. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If When a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.stop

Stop Payments. If you want We may accept an order to stop payment on a check any item from you, so long as you have written, you must place a written stop make any stop-payment order at in the branch office which holds the account before manner required by law and we must receive it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish in time to give us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop- payment order must precisely identify the number, date, amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, stop-payment orders are effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Online Banking are considered signed electronically by the person logged into Online Banking and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment transaction and agree that its electronic signature will be enforceable as and to the full extent of a hand-written signature(s), whether in court (state or federal), arbitration or otherwise. Consenting Party will not raise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed. A release of the stop-payment request may be made only by the person who initiated the stop- payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys' fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may furnish the stop payment order orally, or in writingtake against such persons. If you give us an oral stop payment order, then it will You should be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and aware that anyone holding the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop stop-payment order. You agree Bill Pay payments may be edited or cancelled until the payment status shows as processing or processed. If you need to indemnifycancel a processed payment, defend please contact our Electronic Banking Department at (▇▇▇) ▇▇▇-▇▇▇▇ for assistance. Surrey Bank & Trust makes optional Bill Pay service available to customers as a convenience. It is not required in order to have access to Online and/or Mobile Banking. When you use the Bill Pay service in Online Banking and/or Mobile Banking, you authorize us to debit and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment remit funds on the checkyour behalf. You do not automatically have We reserve the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from usrefuse to pay any payee designated by you. If a cashier's check is lostwe do so, stolen we will notify you. We do not have joint agreements for our Bill Pay Service. If you are an individual or destroyedsole proprietor, please contact us for you are the procedures to follow to only customer under this Agreement. However, any of your Bill Pay funding accounts may be jointly owned with others. If joint account holders using Bill Pay through Online Banking each obtain reimbursement or have the cashier's check reissued. In general, Bill Pay Service — meaning that each of you will have separate access codes — this will be identified as two separate Bill Pay accounts. Surrey Bank & Trust reserves the right to complete a Declaration of Loss form, describing the cashier's check and how it came limit Bill Pay accounts to be lost, stolen one per household or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimBusiness Online Banking customer.

Stop Payments. If you want a. You may ask us not to stop payment on a pay any preauthorized electronic transfer or check you have writtenwritten from your Account, you must place other than a written stop payment order at the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For examplecertified check (each, a joint account holder and one “Transaction”), at least three (3) Business Days before the scheduled date of transfer. Such requests may be oral or written. Oral requests may be given by telephone. b. All stop-payment requests must be made to an authorized signer may request Bank employee at a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the itembranch or at our main offices. You must furnish give us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee and the exact date, number and amount of any Transaction you ask us not to pay. You must also give us any other information we request in order to let us identify you and the Transaction you ask us not to pay, and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. If you fail to do so, we will have no liability for failure to honor your stop-payment request. c. Oral stop-payment requests are valid for only fourteen (14) days unless confirmed in writing during that period. If you fail to confirm an oral stop-payment request within the fourteen (14) days, we reserve the right to cancel the request. Your failure to give written notice shall not affect the validity of the stop-payment until expiration of the six (6) month term or our cancelation of the stop payment, whichever occurs first. Written stop-payment requests are valid for six (6) months and may be renewed in writing any number of times. Your instructions to remove or renew a stop payment order must be received in a time and manner that gives us a reasonable opportunity to act upon it. The stop-payment request of a recurring preauthorized transfer will suspend all further payment to the stated payee under this stated payment schedule until you notify us to resume. d. Each stop-payment order will take effect and be processed on the Business Day following the Business Day it was placed, so that we may have reasonable opportunity to act upon it. Stop-payment orders placed on a day that is not a Business Day will be deemed to be placed on the next Business Day following the actual day it was placed. In that event, the stop-payment order will take effect on the second Business Day. e. You agree that, if more than one individual is authorized to use the Account, any of those individuals may ask us to stop payment on of any Transaction, even if the itemTransaction was executed by another individual. If A release of the stop-payment may be made only by the person who initiated the stop-payment request. f. You will be charged a fee each time you provide ask us with (orally or in writing) not to pay a Transaction and each time you renew any incorrect information, we will not such request. The amount of this fee is shown in each of your Account’s ▇▇▇▇ Disclosures and may be responsible for our failure changed by us from time to stop payment on the check. We will not be responsible for a time. g. A stop payment order if we do not have must be received in a time and manner that gives us a reasonable opportunity to act on it before final payment of paying, accepting, certifying, cashing or otherwise becoming obligated to pay the item. You may furnish the release us from all liability if our failure to stop payment order orallycauses some checks to be returned for insufficient funds. Our acceptance of a stop- payment request does not constitute a representation by us that the item has not already been paid, that is not in the process of being paid, or in writingthat we have had a reasonable opportunity to act on the request. If At the time that you give us an oral stop place a stop-payment order, then it we may not be able to tell you whether the check has been paid or is in the process of being paid. Under certain circumstances, the law may allow the party in possession of the check to enforce payment, despite the stop-payment order. h. We may accept a stop-payment request on lost or stolen checks, whether a single check or a series, unless our policy requires we open a new Account for you to ensure your security. i. You release us from all responsibility and will be effective indemnify us for 14 calendar days. The stop any damage, expense or attorney’s fees and/or expert’s fees, incurred by us for any claim presented by the holder and/or any endorser, endorsee or other person, for having honored the stop-payment order will expire at the end of 14 calendar days unless placed. j. If you give us believe that we have paid a written notice of the stop check over a valid stop-payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it require you to your account. There is provide us with evidence of our acceptance of a charge for each stop valid stop-payment order and renewal order requested. A stop an affidavit describing in detail your loss resulting from the payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour check and, if applicable, further describing in detail your dispute with the payee. If we subsequently determine that you were indebted to the payee for the exact amount of the banking day of receipt of the item. Anyone holding the checkcheck or less, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically that we will have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from usdebit your Account for the amount of the indebtedness. If a cashier's check is lost, stolen or destroyed, please contact us for your Account has insufficient funds to cover the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting periodindebtedness, we may pay also exercise our right of setoff. k. If you write a new check to replace one on which you have placed a stop- payment order, be sure it has a different check number and date. It is also helpful if you write the item word “replacement” on it so it is not mistaken for the original check. l. To the extent that we may be liable for not complying with a valid stop- payment order, you agree that our liability is limited to a person entitled actual damages not to enforce exceed the amount of the check. If this happens, we will not pay your claim.

Stop Payments. If you want to You may request that we stop payment on a check you have written, you must place a written or ACH debit entry that has not already been paid from your account. We may accept the stop payment order at the branch office which holds the request from any account before it is finally paid by us. Any owner or authorized signer on whether or not that individual signed the account may furnish check or authorized the ACH debit entry. In order to place a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one you must describe with reasonable certainty the check (exact amount of the two signatures appearing on the item. You must furnish us with the datecheck, the check number, and the account number) or ACH debit entry (exact amount (dollars and cents) of the check and the ACH debit entry and/or name of the payee if the payee has previously debited the account); otherwise, our automated system may not stop the payment. We are not responsible if the check or ACH debit entry in question is not described with reasonable certainty, and we are entitled to a reasonable period of time after we receive a stop payment order to process it through our automated system. You may notify us either orally or in writing to stop payment. An oral stop payment order on a check or ACH debit entry is binding on us only for 14 days unless confirmed by you in writing within this period. A written stop payment order on a check is effective for 6 months, unless renewed in writing prior to the order expiring. If your account is a business account, a written stop payment order on an ACH debit entry is effective for 6 months, unless renewed in writing prior to the order expiring. If your account is a consumer account, a written stop payment order on an ACH debit entry is effective until revoked by you in writing or the return of the ACH debit entry, whichever occurs first. If we fail to honor a timely and accurate stop payment order on a check, we reserve the right not to recredit your account unless you can demonstrate the fact and amount of your loss. If we do recredit your account after paying a check over a valid and timely stop order, you agree to sign, upon our request, a statement describing the dispute with the payee or other holder of the check, and to assist us in legal action taken against that person. If your account is a personal (consumer) account, special rules apply when you wish to stop payment on the itema preauthorized electronic fund transfer. If you provide us with any incorrect For more information, we see Part V, Section G.7 – Preauthorized Payments. A fee, as set forth in the separate service charge schedule(s), will not be responsible for our failure apply to all stop payment on the check. We will not be responsible for a orders, including renewals of stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the checkorders. You do not automatically have the right to stop payment on point-of-sale Debit Card transactionsa cashier’s check, cashier's checks official check, teller’s check, certified check or money orders traveler’s check you purchase have purchased from us. If a cashier's We have no responsibility to stop payment on any check is lost, stolen or destroyed, please contact us for the procedures other item not conforming to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check our printing and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimencoding specifications.

Stop Payments. Stop Payments on Checks. If Stop Payments on Checks. If you want request us to stop payment on a check you have written, you must place a will give written or other confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment order at request within the branch office 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the check or account with reasonable certainty, and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months or other time period not less than six months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the check on which holds a Stop Payment Order has been placed has not yet cleared or been returned to you by the account before it payee, you may renew the Stop Payment Order for an additional six months by providing a request to us in a record or writing within the time period the Stop Payment Order is finally paid by usin effect. Any authorized signer on the account may furnish Our acceptance of a stop payment orderrequest does not constitute a representation by us that the check has not already been paid or that we have had a reasonable opportunity to act on the request. For example, a joint account holder and one authorized signer We may request accept a stop payment request on an item which lost or stolen checks, whether a single check or series, unless our policy requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on the itemACH Debits. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment A Stop Payment Order may be placed on the itemeither a one-time debit transfer or on a multiple debit entry transfer. If you provide us with any incorrect informationrequest a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we will not be responsible for our failure to stop payment on must receive the check. We will not be responsible for request, orally or in a stop payment order if we do not have record or writing, in a period of time that provides us a reasonable opportunity to act on it before final payment prior to acting on the debit entry, otherwise the Stop Payment Order shall be of the item. You may furnish the stop payment order orally, or in writingno effect. If you give us an oral requested a stop payment orderon a multiple or future debit entry transfer, then it will we must receive the Stop Payment Order, orally or in a record or writing, at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be effective supplied to us. Oral stop payment orders are binding on us for 14 calendar daysdays only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order A Stop Payment Order on an ACH debit will remain in effect until the earlier of 1) your withdrawal of the Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple or future debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for six months the transfer with the payee (a Stop Payment Order does not revoke authorization). Written communication includes communication by electronic record. The Stop Payment Order shall be governed by the provisions of Article 4A of the Uniform Commercial Code as adopted by the State of West Virginia, the Electronic Fund Transfer Act (Regulation E), Nacha Operating Rules, and must any applicable state law. You may be renewed by charged a fee every time you every six months to remain in effectrequest a Stop Payment Order and for each Stop Payment Order renewal you make. If you do not renew You understand that we may accept the stop payment order when it expires, and request from any of the item is presented for payment, we may pay joint owners of the item and charge it to your account. There is a charge for each stop payment order and renewal order requestedaccount regardless of who signed the check or authorized the transfer. A stop payment order comes too late to prevent us from paying an item if we do not receive release of the Stop Payment Order may be made only by the person who initiated the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimrequest.

Stop Payments. If you want We may accept an order to stop payment on a check any item from you, so long as you have written, you must place a written stop make any stop-payment order at in the branch office which holds the account before manner required by law and we must receive it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish in time to give us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop payment order must precisely identify the number, date, amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, stop- payment orders are effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Online Banking are considered signed electronically by the person logged into Online Banking and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment transaction and agree that its electronic signature will be enforceable as and to the full extent of a hand-written signature(s), whether in court (state or federal), arbitration or otherwise. Consenting Party will not raise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys’ fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may furnish the stop payment order orally, or in writingtake against such persons. If you give us an oral stop payment order, then it will You should be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and aware that anyone holding the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop stop-payment order. You agree to indemnifyOnline Banking consumer customers who enroll in Bill Pay will be charged $5.50 per month after a 90-day free trial. These fees are waived for customers with Interest Checking, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claimsGold Checking, and demands related Granite Banking accounts. Business Online Banking customers who choose to or arising enroll in Bill Pay will be charged $6.50 per month. Please refer to the attached Bill Pay Agreement for details. At the end of 90-day free trial, the monthly Bill Pay fee is automatically drafted from our action in stopping payment your checking account unless you qualify for free service. Payments are drafted on the checkanniversary date of enrollment (i.e. if you enroll on the third of the month, the payments will be drafted on the third of each month following the trial period.) To avoid fees, customers must cancel Bill Pay before the end of the 90-day period by using the Contact Us link in Online Banking, contacting your Surrey Bank & Trust branch; emailing ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇.▇▇▇; mailing Surrey Bank & Trust eBanking Department, PO Box 1227, Mount Airy, NC 27030; or calling us at (▇▇▇) ▇▇▇-▇▇▇▇. You do not automatically have Cancellations made following the right end of the 90-day trial period are subject to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us fees for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from one month after the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimof cancellation.

Stop Payments. If The stop payment feature within Online Banking allows you want to submit a request to stop payment on a check checks you have written, you must place . The Online Banking stop payment feature cannot be used to cancel transfers between your Accounts with us or to stop electronic ▇▇▇▇ payments. You may withdraw a written stop payment order initiated via Online Banking only in writing or in person at the one of our branch office which holds the account before it is finally paid by usoffices. Any authorized signer on the account may furnish a Your stop payment order. For example, a joint account holder requests must follow the procedures and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of specifications established by the two signatures appearing on the itemBank. You must furnish provide us with timely, complete and accurate information on the date, following: • The number of the account against which the item is drawn • The check number, and the number • The exact amount (dollars and cents) of the check and the item • The name of the payee • The reason for us to the stop payment Complete accuracy is essential since stop payment orders are processed by computers operating on the itembasis of precise data. If you provide us with any incorrect informationof the required information is incomplete or incorrect, your stop payment order may not be processed, and we will not be responsible for our failure failing to complete the order. The Bank shall not be liable if, as a result of payment of the item subject to this request, other items drawn by you are returned due to insufficient funds. You will notify us promptly of the issuance of a check or item that is a duplicate of the check or item subject to this stop payment on order, or upon the return of the original check. The Bank shall not be liable for payment of any item subject to a stop payment order upon the expiration or withdrawal of such order, and the Bank may, in its discretion, refuse to honor any such item pending your instruction. Stop payment requests that cover a range of checks that are missing or stolen may be processed by us without regard to the dollar amount. A stop payment order becomes effective when we confirm its receipt and have verified that the item has not been paid. We will not be responsible able to verify this immediately for a stop items paid more than 180 days prior to your request. Stop payment order if we do not have a reasonable opportunity to act orders on it before final payment of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain checks are in effect for six (6) months and must can be renewed by you every after the six months (6) month period upon your written request. Failure to remain in effect. If you do not renew the stop payment order when it expires, and may result in the item is presented for paymentbeing paid. Periodically, we our systems may pay the item and charge it to your accountbe inoperable. There is a charge for each If that occurs, you may transmit stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment orders by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment ordertelephone instruction. You agree to indemnifyare advised that under applicable state law, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on a check may not relieve you of your obligation to pay the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.

Stop Payments. If you want We may accept an order to stop payment on a check any item from you, so long as you have written, you must place a written stop make any stop- payment order at in the branch office which holds the account before manner required by law and we must receive it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish in time to give us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop payment order must precisely identify the number, date, amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, stop-payment orders are effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Online Banking are considered signed electronically by the person logged into Online Banking and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment transaction and agree that its electronic signature will be enforceable as and to the full extent of a hand- written signature(s), whether in court (state or federal), arbitration or otherwise. Consenting Party will not raise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys' fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may furnish the stop payment order orally, or in writingtake against such persons. If you give us an oral stop payment order, then it will You should be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and aware that anyone holding the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop stop-payment order. You agree ▇▇▇▇ Pay payments may be edited or cancelled until the payment status shows as processing or processed. If you need to indemnifycancel a processed payment, defend please contact our Electronic Banking Department at (▇▇▇) ▇▇▇-▇▇▇▇ for assistance. Surrey Bank & Trust makes optional ▇▇▇▇ Pay service available to customers as a convenience. It is not required in order to have access to Online and/or Mobile Banking. When you use the ▇▇▇▇ Pay service in Online Banking and/or Mobile Banking, you authorize us to debit and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment remit funds on the checkyour behalf. You do not automatically have We reserve the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from usrefuse to pay any payee designated by you. If a cashier's check is lostwe do so, stolen we will notify you. We do not have joint agreements for our ▇▇▇▇ Pay Service. If you are an individual or destroyedsole proprietor, please contact us for you are the procedures to follow to only customer under this Agreement. However, any of your ▇▇▇▇ Pay funding accounts may be jointly owned with others. If joint account holders using ▇▇▇▇ Pay through Online Banking each obtain reimbursement or have the cashier's check reissued. In general, ▇▇▇▇ Pay Service — meaning that each of you will have separate access codes — this will be identified as two separate ▇▇▇▇ Pay accounts. Surrey Bank & Trust reserves the right to complete a Declaration of Loss form, describing the cashier's check and how it came limit ▇▇▇▇ Pay accounts to be lost, stolen one per household or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimBusiness Online Banking customer.

Stop Payments. If you want to You may request that we stop payment on a check you have written, you must place a written or ACH debit entry that has not already been paid from your account. We may accept the stop payment order at the branch office which holds the request from any account before it is finally paid by us. Any owner or authorized signer on whether or not that individual signed the account may furnish check or authorized the ACH debit entry. In order to place a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one you must describe with reasonable certainty the check (exact amount of the two signatures appearing on the item. You must furnish us with the datecheck, the check number, and the account number) or ACH debit entry (exact amount (dollars and cents) of the check and the ACH debit entry and/or name of the payee if the payee has previously debited the account); otherwise, our automated system may not stop the payment. We are not responsible if the check or ACH debit entry in question is not described with reasonable certainty, and we are entitled to a reasonable period of time after we receive a stop payment order to process it through our automated system. You may notify us either orally or in writing to stop payment. An oral stop payment order on a check or ACH debit entry is binding on us only for 14 days unless confirmed by you in writing within this period. A written stop payment order on a check is effective for 6 months, unless renewed in writing prior to the order expiring. If your account is a business account, a written stop payment order on an ACH debit entry is effective for 6 months, unless renewed in writing prior to the order expiring. If your account is a consumer account, a written stop payment order on an ACH debit entry is effective until revoked by you in writing or the return of the ACH debit entry, whichever occurs first. If we fail to honor a timely and accurate stop payment order on a check, we reserve the right not to recredit your account unless you can demonstrate the fact and amount of your loss. If we do recredit your account after paying a check over a valid and timely stop order, you agree to sign, upon our request, a statement describing the dispute with the payee or other holder of the check, and to assist us in legal action taken against that person. If your account is a personal (consumer) account, special rules apply when you wish to stop payment on the itema preauthorized electronic fund transfer. If you provide us with any incorrect For more information, we see Part V, Section H.7 – Preauthorized Payments. A fee, as set forth in the separate service charge schedule(s), will not be responsible for our failure apply to all stop payment on the check. We will not be responsible for a orders, including renewals of stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the checkorders. You do not automatically have the right to stop payment on point-of-sale Debit Card transactionsa cashier’s check, cashier's checks official check, teller’s check, certified check or money orders traveler’s check you purchase have purchased from us. If a cashier's We have no responsibility to stop payment on any check is lost, stolen or destroyed, please contact us for the procedures other item not conforming to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check our printing and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimencoding specifications.

Stop Payments. Stop Payments on Checks. If you want request us to stop payment on a check you have written, you must place a will give written stop payment order at or other confirmation as allowed by us within 14 days of making the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the itemrequest. If you provide us with any incorrect informationfail to confirm an oral stop payment request within the 14 days, unless our policy provides otherwise, we will not reserve the right to cancel the request. Stop Payments on ACH Debits. A Stop Payment Order may be responsible for our failure to stop payment placed on either a one-time debit transfer or on a multiple debit entry transfer. If you request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we must receive the check. We will not be responsible for request, orally or in a stop payment order if we do not have record or writing, in a period of time that provides us a reasonable opportunity to act on it before final payment prior to acting on the debit entry, otherwise the Stop Payment Order shall be of the item. You may furnish the stop payment order orally, or in writingno effect. If you give us an oral requested a stop payment orderon a multiple or future debit entry transfer, then it will we must receive the Stop Payment Order, orally or in a record or writing, at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be effective supplied to us. Oral stop payment orders are binding on us for 14 calendar daysdays only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order A Stop Payment Order on an ACH debit will remain in effect for six months and must be renewed by you every six months until the earlier of 1) your withdrawal of the Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to remain in effectmore than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. If you do not renew the When a stop payment order when it expires, and the item is presented for paymentplaced on a multiple or future debit entry transfer, we may pay the item and charge it to require your account. There is confirmation in a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against record or writing stating that you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us canceled your authorization for the procedures to follow to obtain reimbursement or have transfer with the cashier's check reissuedpayee (a Stop Payment Order does not revoke authorization). In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimWritten communication includes communication by electronic record.

Stop Payments. If you want request us to stop payment (either in writing or orally*) on a check or draft, we will charge you a stop payment fee. However, your stop payment will not be effective if we have already certified, paid or otherwise become responsible for the check. For example, we can't stop payment on a check you we've already cashed or a deposited check where the funds have written, you must place already been withdrawn. Refer to the Electronic Funds Transfer Disclosure for the rules on stopping a written stop payment order at the branch office which holds the account before it is finally paid by usconsumer electronic funds transfer transaction. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer You may request a stop payment on an item which requires two signaturesby calling us, regardless of whether that authorized signer's signature was one of the two signatures appearing on in person, or through ▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. So we can identify the item. You , you must furnish give us with the date, the exact account number and either:  The exact check number, number or a range of check numbers  The payee name and the exact amount (dollars and cents) of the check  The payee name and the name range of amounts of the payee for us to stop payment on the item. If you provide us with any incorrect informationcheck Generally, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if complete your request as soon as we do not receive, and have a reasonable opportunity to act on, your instructions. Your stop payment request lasts for six months, unless you cancel your stop payment request. However, you may place a new stop payment order, which will be effective for six months from the day you place the additional order. An additional stop payment fee will be charged. We may send you a written confirmation of your stop payment. We may rely on it before final payment the information in the confirmation unless you notify us immediately of the itemany errors. You may furnish When the stop payment order orally, or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it have no duty to your accountnotify you. There is a charge for each When you stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying on an item if and we do not receive incur any damages or expenses because of the stop payment by payment, you agree to indemnify us for those damages or expenses, including attorneys’ fees. You assign to us all rights against the close of the business hour of the banking day of receipt payee or any other holder of the item. Anyone You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding the check, including the Bank, item may be entitled to enforce payment against you despite the stop payment order. You agree We are not required to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to accept a stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check, official check, or certified check, unless you provide us an acceptable sworn statement that the check is lost, stolen or destroyed. After you place a stop payment, please contact us for we are not required to refund the procedures to follow to obtain reimbursement check amount or have issue a replacement check until at least 30 days after the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjuryissue date. We must then wait 90 days from the date are not required to refund the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within amount or issue a reasonable time. If replacement check if the check is presented during for payment within 30 days after the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimissue date.

Stop Payments. Stop Payments on Checks. If you want request us to stop payment on a check you have written, you must place a will give written or other confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment order at request within the branch office 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the check or account with reasonable certainty, and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months or other time period not less than six months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the check on which holds a Stop Payment Order has been placed has not yet cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing written or other confirmation as allowed by us within the time period the Stop Payment Order is in effect. You may be charged a fee every time you request a stop payment, even if it is a continuation of a previous stop payment request. You understand that we may accept the stop payment request from any of the joint owners of the account before it is finally paid by usregardless of who signed the check or authorized the transfer. Any authorized signer on the account may furnish Our acceptance of a stop payment orderrequest does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request. For example, a joint account holder and one authorized signer We may request accept a stop payment request on an item which lost or stolen checks, whether a single check or series, unless our policy requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on the itemACH Debits. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment A Stop Payment Order may be placed on the itemeither a one-time debit transfer or on a multiple debit entry transfer. If you provide us with any incorrect informationrequest a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, or on a multiple or future debit entry transfer, we will not be responsible for our failure to stop payment on must receive the check. We will not be responsible for request, orally or in a stop payment order if we do not have record or writing, in a period of time that provides us a reasonable opportunity to act on it before final payment prior to acting on the debit entry, otherwise the Stop Payment Order shall be of the itemno effect. You Requests to stop all future payments on an ACH debit transfer may furnish the require additional documentation to be supplied to us. Oral stop payment order orally, or in writing. If you give orders are binding on us an oral stop payment order, then it will be effective for 14 calendar daysdays only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order A Stop Payment Order on an ACH debit will remain in effect for six months and must be renewed by you every six months until the earlier of 1) your withdrawal of the Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to remain in effectmore than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. If you do not renew the When a stop payment order when it expires, and the item is presented for paymentplaced on a multiple or future debit entry transfer, we may pay the item and charge it to require your account. There is confirmation in a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against record or writing statement that you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us canceled your authorization for the procedures to follow to obtain reimbursement or have transfer with the cashier's check reissuedpayee (a Stop Payment Order does not revoke authorization). In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimWritten communication includes communication by electronic record.

Stop Payments. If you want to stop payment on a check you have written, you must place a written stop payment order at the branch office which holds the account before it is finally paid by us. Any authorized signer on the account You and any other Authorized Signer may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for make a stop payment order if we do not have on a reasonable opportunity to act on it before final payment of the itemcheck. You may furnish agree that we and the Paying Bank are authorized to accept a stop payment order orally, or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us on a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to check from any signer on your accountAccount. There is a charge for each stop payment order requested, as disclosed in the Fee Schedule. You must provide us with the following information as a condition to accepting a stop payment order: (a) Account number; (b) date on the check; (c) check number; (d) exact amount (dollars and renewal cents) of the check; (e) the name of payee; (f) information which we may require to verify your identity; and (g) other information we reasonably require. If you do not provide us any of the required information or is incorrect, we and the Paying Bank will not be responsible for failing to effectuate the stop payment order. To stop payment on a check, you must give us and the Paying Bank reasonable opportunity to act on the stop payment order requestedbefore final payment of the check. We may require you to confirm the stop payment order in writing. A stop payment order comes cannot be acted on once the check has been paid, certified, or accepted by either us or the Paying Bank. We may charge a fee in connection with a stop payment order, as disclosed in the Fee Schedule. Stop payment orders that we receive after 2:00 p.m. Eastern Time on any business day or at any time on a day that is not a business day for either us or the Paying Bank will be considered to have been received at the beginning of the next day that is a business day for both us and the Paying Bank. As a result, for example, a stop payment order received after 2:00 p.m. Eastern Time on a business day of us and the Paying Bank will be too late to prevent us from paying an item if we do not receive the stop payment of a check which must be paid or returned by the close midnight of the business hour of the banking day of receipt of the itemthat day. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the Each stop payment order. You agree to indemnify, defend order will remain in effect for one year and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do will not be automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable timerenewed. If the check is presented during still outstanding after that time, you may request another stop payment order for the 90 days waiting periodadditional fee specified in the Fee Schedule. You agree that if a stop payment order is not renewed in writing, we may or the Paying Bank may, at its discretion, return or pay an item presented after the item to a person entitled to enforce expiration of the check. If this happens, we will not pay your claimorder.

Stop Payments. If you want to At your request, we may stop payment on a check drawn against your account, as applicable, provided you have writtenmeet our conditions to effect such a request, subject to a service charge. We may accept the stop payment request from any account owner or authorized signer whether or not that individual is the signer of the check. In order to place a stop payment order, you must place tell us the exact amount of the item, the number of the check, and the number of the account; otherwise, our computer may not catch the stop order. If you produce a check by computer or in any other manner that does not contain a magnetic-encoded check number, we may not be able to honor the stop order. We are not responsible if the item in question is not described with reasonable certainty, and we are entitled to a reasonable period of time after we receive a stop order to notify our employees. You may notify us either orally or in writing to stop payment. An oral stop payment order on a check is binding on us only for 14 days unless confirmed in writing within this period. A written stop payment order at is effective for 6 months, unless renewed in writing prior to the branch office which holds order becoming ineffective. A fee, as set forth in the account before it is finally paid by us. Any authorized signer on the account may furnish a separate fee schedule(s), will apply to all stop payment order. For exampleorders, a joint account holder and one authorized signer may request a including renewals of stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the itemorders. If you provide us with any incorrect information, we will not be responsible for our failure fail to stop payment on the check. We will not be responsible for honor a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral timely and accurate stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at we reserve the end of 14 calendar days right not to recredit your account unless you give us a written notice can demonstrate the fact and amount of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effectyour loss. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive recredit your account after paying a check over a valid and timely stop order, you agree to sign a statement describing the stop payment by dispute with the close payee or other holder of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled and to enforce payment assist us in legal action taken against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the checkthat person. You do not automatically have the right to stop payment on point-of-sale Debit Card transactionsa cashier’s check, cashier's checks an official check, a teller’s check, a certified check, a money order or money orders a traveler’s check you purchase have purchased from us. If a cashier's We have no responsibility to stop payment on any check is lost, stolen or destroyed, please contact us for the procedures other item not conforming to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check our printing and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimencoding specifications.

Stop Payments. If you want to  You may place a stop payment payment, utilizing CeB, on a any check that you have written. If you do, you agree to the following terms and conditions: o The information on the stop payment must place precisely identify the check number, the payee and the amount of the check. If you do not give exact information, the Bank assumes no responsibility for stopping payment. o The stop payment must be received in time to give us a written reasonable time to act upon it. Stop payments received before 3:00 p.m. on Monday through Friday, excluding legal holidays are processed on the day received. Stop payments received after 3:00 p.m. or on a weekend or legal holiday may not be processed until the next business day. A stop payment must be received before the check has been presented for payment. o The stop payment order at is effective for six months unless renewed through CeB or in writing before the branch office expiration of six months. If the stop payment order is not renewed before the expiration of six months, it will automatically terminate and the Bank is free to pay the check. In such an instance, you hereby agree to release and do waive any and all claims against the Bank with respect to the stop payment order or the check itself and you further agree to indemnify and hold the Bank harmless with regard to any and all claims involving the stop payment order and/or check, which holds includes the account before it Bank’s reasonable attorney fees and costs. o You understand that there may be claims or demands made against the Bank as a result of your request to the Bank. You agree that you will defend the Bank and will be responsible to the Bank if any claim or demand of whatever nature, is finally paid by usmade against the Bank with respect to a stop payment order and/or the check itself. Any authorized signer on You agree to indemnify and defend the account Bank and to reimburse the Bank for any reasonable costs, expenses or attorney’s fees that the Bank may furnish incur in defending itself against any such claims or demands. You understand that the Bank will use all reasonable efforts to comply with a stop payment order. For exampleHowever, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether you understand fully that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, unless the check number, the payee and the exact amount (dollars and cents) of the check are correctly entered on the stop payment order, the Bank assumes no responsibility for stopping payment and is not liable to you if a stop payment cannot be accomplished. o You agree to pay a stop payment fee, as noted in ConnectOne Bank’s Miscellaneous Bank Fees and Charges, for each new stop payment and for each renewal of a stop payment entered through CeB. o You must contact the name of the payee for us Bank to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment automatic debits processed by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs Automated Clearing House (except attorney's feesACH), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came as this request requires additional documentation to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimcompleted.

Stop Payments. If you want Allows your Authorized Representatives to initiate stop payment(s) on check(s) drawn on your Eligible Accounts via on-line instructions to the Bank, irrespective of the signer on the item. This feature cannot be used to stop payment on an automated clearing house (ACH) transfer, a check you have writtenwire transfer, you a debit card transaction, or a paper draft. To access the Stop Payment Service, your Authorized Representative must place a written stop log-on to the services by entering his or her Access Codes as directed by the Internet Banking screen message and select “Stop Payments” from the account level menu. To be effective, the stop-payment order at must precisely identify the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For examplenumber, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one amount of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) payee. You authorize us to follow the Stop Payment instructions that we receive on-line via access that was gained through the use of the check Access Codes for the appropriate Authorized Representative(s) and to debit the name Eligible Account (or any of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible your other accounts) for a stop payment order if we do not have fee in accordance with the Bank’s current schedule of fees. We must receive the Stop Payment instruction in time to give us a reasonable opportunity to act on it before final our stop-payment cutoff time. Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item, unless we have, due to certain “same day” transactions, essentially honored the item before the cutoff time, such as would occur if we paid the item in cash or we issued a cashier’s check, or other official check, for the item. You We will acknowledge our receipt and processing of Stop Payment instructions by an “approved” message appearing on the Stop Payment screen. Given the above limitations about certain “same day” transactions, however, such “approved” message does not mean that the Bank has successfully stopped payment on the item. Stop Payment requests are valid for a period of two (2) years unless your Authorized Representatives instructs us to cancel it or to renew it, provided that we have not already returned the check. The order may furnish be renewed for additional two (2) years periods at the fee in effect when the renewal is placed. Your Authorized Representative may cancel a stop payment at any time, in person, at the Bank, or by calling the Bank’s Customer Service Center at 877-753-9224. If we are notified by telephone, we will request that your Authorized Representative confirm your request in writing. We may pay the check when the stop payment order orally, or in writingexpires. If you give us an oral write a new check to replace one on which you have placed a stop payment order, then be sure it will be effective has a different check number and date. It is also helpful to write the word “replacement” on it so it is not mistaken for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the original check. You do not automatically have the right Stop payment requests sent to stop payment on point-of-sale Debit Card transactions, cashier's checks us via electronic mail (via your personal or money orders you purchase from us. If a cashier's check is lost, stolen company email system) or destroyed, please contact us for in any manner other than the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If set forth in this happens, we paragraph will not pay your claimbe accepted.

Stop Payments. Stop Payments on Checks. If you want request us to stop payment on a check you have written, you must place a will give written or other confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment order at request within the branch office 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the item or account with reasonable certainty and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months, or 2) until we receive written revocation of the stop payment. If the item on which holds a Stop Payment Order has been placed has not yet cleared or been returned to you by the account before it payee, you may renew the Stop Payment Order for an additional six months by providing a request to us in a record or writing within the time period the Stop Payment Order is finally paid by usin effect. Any authorized signer on the account may furnish Our acceptance of a stop payment orderrequest does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request. For example, a joint account holder and one authorized signer We may request accept a stop payment request on an item which lost or stolen checks, whether a single check or series, unless our policy requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on the itemACH Debits. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment A Stop Payment Order may be placed on the itemeither a one-time debit transfer or on a multiple debit entry transfer. If you provide us with any incorrect informationrequest a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we will not be responsible for our failure to stop payment on must receive the check. We will not be responsible for request, orally or in a stop payment order if we do not have record or writing, in a period of time that provides us a reasonable opportunity to act on it before final payment prior to acting on the debit entry, otherwise the Stop Payment Order shall be of the item. You may furnish the stop payment order orally, or in writingno effect. If you give us an oral requested a stop payment orderon a multiple or future debit entry transfer, then it will we must receive the Stop Payment Order, orally or in a record or writing, at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be effective supplied to us. Oral stop payment orders are binding on us for 14 calendar daysdays only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order A Stop Payment Order on an ACH debit will remain in effect until the earlier of 1) your withdrawal of the Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple or future debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for six months the transfer with the payee (a Stop Payment Order does not revoke authorization). Written communication includes communication by electronic record. The Stop Payment Order shall be governed by the provisions of Article 4A of the Uniform Commercial Code as adopted by the state in which the account is opened, the Electronic Fund Transfer Act (Regulation E), NACHA Operating Rules, and must any applicable state law. You may be renewed by charged a fee every time you every six months to remain in effectrequest a Stop Payment Order and for each Stop Payment Order renewal you make. If you do not renew You understand that we may accept the stop payment order when it expires, and request from any of the item is presented for payment, we may pay joint owners of the item and charge it to your account. There is a charge for each stop payment order and renewal order requestedaccount regardless of who signed the check or authorized the transfer. A stop payment order comes too late to prevent us from paying an item if we do not receive release of the Stop Payment Order may be made only by the person who initiated the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimrequest.

Stop Payments. If a check written on your account, ACH debit, electronic transaction initiated by the use of a check (e.g., point of sale "POS", etc.), or transfer/payment through Digital Banking has not yet been paid, any authorized signer on the account and/or any individual authorized to access your account through Digital Banking, may be able to prevent its being paid by initiating a stop payment order, irrespective of who signed the check or how many authorized signatures were required on the check. To be effective, a stop payment must be received in sufficient time to enable us to act on it. For electronic (ACH) transactions we must receive your request three (3) business days or more before the payment is scheduled to be made. For Bill Pay transactions we must receive your request three (3) business days or more before the payment is scheduled to be made. Our records will be conclusive evidence of the existence and details of any stop payment initiated by you. If you want call, we may also require you to put your request in writing and get it to us within fourteen (14) days after your call. A verbal stop-payment order may cease to be binding after fourteen (14) days if you fail to provide a required written confirmation upon request by us. Stop payments initiated using Digital Banking are not considered accepted until we provide a stop payment confirmation number to you. The ability to place a stop payment on a check you have writtenthrough Digital Banking may be limited by system availability. If the system is not available to accept your stop payment order, the stop order may be placed by contacting any Credit Union branch during normal business hours. In order to process your request, you must place a written stop payment order at the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish provide us with the date, the check number, and the exact amount (dollars and cents) ), check number, account number and payee of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect informationinformation or do not give us sufficient time to act on your stop payment request, we will not be responsible for our failure to stop payment on of the check. We will not A fee may be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge charged for each stop payment order and or renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive thereof (see the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment orderFee Schedule). You agree to indemnify, defend defend, and hold us harmless (to the extent of the law) from all costs costs, (except including reasonable attorney's fees), ) actions, damages, claims, claims and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right a check or our failure to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.

Stop Payments. If you want You and any other person authorized to draw against your account may initiate a stop payment request on checks drawn on your account or on a check you preauthorized transfer that we have written, you must place not paid. You may initiate a written stop payment order at request by notifying us in person, by mail, by telephone, or by such other methods that we may make available to you from time to time. The individual who initiates the branch office which holds stop payment request does not need to be the account before it individual who drew the check or initiated the preauthorized transfer that s/he is finally paid by usnow requesting to be stopped. Any You or any other person who is authorized signer on to draw against the account may furnish instruct us to release or cancel a stop payment order, even if you or s/he did not initiate the stop payment request. For example, a joint account holder and one authorized signer may request us to be able to enter a stop payment on an item which requires two signaturespayment, regardless of whether that authorized signer's signature was one you must tell us the exact amount of the two signatures appearing on the item. You must furnish us with the datecheck (dollars and cents), the check number, date of check, payee and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment full account number on the itemwhich it is drawn. If the information you provide give us with any incorrect informationis not correct or if you do not give us other reasonable information requested about the check, we will not be responsible for our failure if we are not able to affect the stop payment payment. We also cannot be responsible if we are not able to identify the proper check because you have issued more than one check with the same serial number. If you generate your own checks using a computer or in any other manner which does not produce a magnetically encoded check number on the check, we will be unable to guarantee that your stop payment request will be honored. We will not You therefore agree to indemnify and hold us harmless should we be responsible for unable to honor a stop payment order if we do not which you have timely and correctly placed on a reasonable opportunity to act on it before final payment of the itemcheck with no magnetically-encoded check number. 7. You may furnish the stop payment order orally, or in writingStale-Dated and Post-Dated Checks. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for check dated more than six months in the past (that is, a “stale-dated check”) is presented for payment against your account, we may pay the check and must be renewed by you every six months charge it to remain in effectyour account. If you do not renew a check dated in the stop payment order when it expiresfuture (that is, and the item a “post–dated” check) is presented for payment, we may pay the item check and charge it to your accountaccount even if it is presented for payment before its date. There is If you do not want us to pay a charge for each stale-dated or post-dated check you must place a stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment orderon it in accordance with this Agreement. You agree that we are not liable to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to you or arising any other party for any Losses that result from our action in stopping payment on the check. You paying either a stale-dated or post-dated check that you do not automatically have the right to place a stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimon.

Stop Payments. If you want We may accept an order to stop payment on a check any item from you, so long as you have written, you must place a written stop make any stop- payment order at in the branch office which holds the account before manner required by law and we must receive it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish in time to give us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop- payment order must precisely identify the number, date, amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, stop-payment orders are effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Online Banking are considered signed electronically by the person logged into Online Banking and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment transaction and agree that its electronic signature will be enforceable as and to the full extent of a hand- written signature(s), whether in court (state or federal), arbitration or otherwise. Consenting Party will not raise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys' fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may furnish the stop payment order orally, or in writingtake against such persons. If you give us an oral stop payment order, then it will You should be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and aware that anyone holding the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop stop-payment order. You agree Bill Pay payments may be edited or cancelled until the payment status shows as processing or processed. If you need to indemnifycancel a processed payment, defend please contact our Electronic Banking Department at (▇▇▇) ▇▇▇-▇▇▇▇ for assistance. Surrey Bank & Trust makes optional Bill Pay service available to customers as a convenience. It is not required in order to have access to Online and/or Mobile Banking. When you use the Bill Pay service in Online Banking and/or Mobile Banking, you authorize us to debit and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment remit funds on the checkyour behalf. You do not automatically have We reserve the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from usrefuse to pay any payee designated by you. If a cashier's check is lostwe do so, stolen we will notify you. We do not have joint agreements for our Bill Pay Service. If you are an individual or destroyedsole proprietor, please contact us for you are the procedures to follow to only customer under this Agreement. However, any of your Bill Pay funding accounts may be jointly owned with others. If joint account holders using Bill Pay through Online Banking each obtain reimbursement or have the cashier's check reissued. In general, Bill Pay Service — meaning that each of you will have separate access codes — this will be identified as two separate Bill Pay accounts. Surrey Bank & Trust reserves the right to complete a Declaration of Loss form, describing the cashier's check and how it came limit Bill Pay accounts to be lost, stolen one per household or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimBusiness Online Banking customer.

Stop Payments. If you want You may ask us not to stop payment on a pay any preauthorized electronic transfer or check you have writtenwritten from an Account of yours (each, you must place a “Transaction”), except if they payment is in the form of a certified check, managers check, or any other check that is governed by a check guarantee agreement, within at least three (3) Business Days before the schedule date of the transfer. Such requests may only be submitted in written form and through a BIBTC Stop Payment Request Form. All stop payment order at the branch office which holds the account before it is finally paid requests must be made to an authorized BIBTC employee by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the itemAuthorized Signatory. You must furnish give us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee and the exact date, number and amount of any Transaction you ask us not to pay. You must also give us any other information we request in order for us to stop payment on identify you and the item. If you provide stopped Transaction, and we must receive the request in a time and way that gives us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it. If you fail to do so, we will have no liability for failure to honor your stop-payment request. Written stop-payment requests are valid for six (6) months and may be renewed in writing any number of times. If your request was made verbally, you must submit a written confirmation within fourteen (14) days from the day you submitted your verbal stop-payment request. If the verbal stop payment request was not confirmed in such fourteen (14) day period, your stop-payment request will be cancelled. Your failure to give written notice shall not affect the validity of the stop- payment until expiration of the six (6) month term or our cancellation of the stop-payment, whichever occurs first. The stop-payment request of a recurring preauthorized transfer will suspend all further payment to the stated payee under this stated payment schedule until you notify us to resume. Each stop-payment order will take effect and be processed on the Business Day following the Business Day it before final was placed, so that we may have reasonable opportunity to act upon it. Stop- payment orders placed on a day that is not a Business Day will be deemed to be placed on the next Business Day following the actual day it was placed. In that event, the stop-payment order will take effect on the second Business Day. You agree that an Account’s Authorized Signatory may ask us to stop payment of any Transaction, even if the itemTransaction was executed by another individual. You may furnish the stop payment order orally, will be charged a fee each time you ask us (orally or in writing. If ) not to pay a Transaction and each time you give us an oral stop payment order, then it will be effective for 14 calendar daysrenew any such request. The amount of this fee is shown in each of your Account’s Terms and Conditions and may be changed by us from time to time. We will not be liable for failing to honor a stop-payment request if we did not have a reasonable time to act on the request, or if our failure to stop a payment causes some checks to be returned for insufficient funds. Our acceptance of a stop-payment request does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request. We may accept a stop-payment request on lost or stolen checks, whether a single check or a series, unless we believe it to be necessary to open a new Account for you to ensure your security. You release us from all responsibility and will indemnify us for any damage, expense or attorney’s fees and/or expert’s fees, incurred by us for any claim presented by the holder and/or any endorser, endorsee or other person, for having honored the stop-payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claimplaced.

Stop Payments. Stop Payments on Checks. If you want request us to stop payment on a check you have written, you must place a will give written or other confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment order at request within the branch office 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the check or account with reasonable certainty and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months or other time period not less than six months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the check on which holds a Stop Payment Order has been placed has not yet cleared or been returned to you by the account before it payee, you may renew the Stop Payment Order for an additional six months by providing a request to us in a record or writing within the time period the Stop Payment Order is finally paid by usin effect. Any authorized signer on the account may furnish Our acceptance of a stop payment orderrequest does not constitute a representation by us that the check has not already been paid or that we have had a reasonable opportunity to act on the request. For example, a joint account holder and one authorized signer We may request accept a stop payment request on an item which lost or stolen checks, whether a single check or series, unless our policy requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on the itemACH Debits. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment A Stop Payment Order may be placed on the itemeither a one-time debit transfer or on a multiple debit entry transfer. If you provide us with any incorrect informationrequest a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we will not be responsible for our failure to stop payment on must receive the check. We will not be responsible for request, orally or in a stop payment order if we do not have record or writing, in a period of time that provides us a reasonable opportunity to act on it before final payment prior to acting on the debit entry, otherwise the Stop Payment Order shall be of the item. You may furnish the stop payment order orally, or in writing. If you give us an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the end of 14 calendar days unless you give us a written notice of the stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in no effect. If you do not renew the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it to your account. There is requested a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactionsa multiple or future debit entry transfer, cashier's checks we must receive the Stop Payment Order, orally or money orders you purchase from in a record or writing, at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be supplied to us. If a cashier's check is lost, stolen or destroyed, please contact Oral stop payment orders are binding on us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general14 calendar days only, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyedunless our policy provides otherwise, and signing must be confirmed by you in a record or writing within that period. A Stop Payment Order on an ACH debit remains in effect until the form earlier of 1) your withdrawal of the Stop Payment Order, 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under penalty a specific authorization involving a specific payee (Originator), the return of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passedall such debits, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.or

Stop Payments. If you want to You may stop payment on a check drawn on your account, and we will charge a Stop Payment Request Fee. However, you cannot stoppayment if we have writtenalready certified, paid, or otherwise become responsible for the check. For example, you cannot stop payment on a check we have already cashed because we became responsible for the transaction as soon as we cashed it. Any one owner or authorized signer of an account mayorder us to stoppayment on a checkdrawn on the account. Please see the “Electronic Fund Transfers” sectionof this booklet for how to place a stoppayment on recurring electronic payments. (Alsosee section “Right to Stop Payment of Preauthorized Debit”.) We will not accept any instructions/requests to effect banking transactions via the Internet, unless expressly authorized under a duly executed Agreement with the Bank (e.g., IDB PassportSM, IDB AccessSM oronline banking). To stop payment on a check, you must place a written stop payment order at give us the branch office which holds exact account number, checknumber, date written, payee andthe amount of the account before it is finally paid by uscheck, so we can identify the item. Any authorized signer on discrepancy error, especially in amount (even as small as $.01), check number or account number, will prevent the account may furnish Bank from properly implementing a stop payment order. For example, It may take up to one full business day from the time we receive this information until a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the itemstoppayment order becomes effective. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be responsible for our failure to stop payment on the check. We will not be responsible for a A stop payment order if we do not have is effective for a reasonable opportunity to act on it before final payment minimum of the item. You may furnish the stop payment order orally, six (6) calendar months or until canceled by you in writing. If you give us an oral would like to extend the stop payment order, then it for an additional six (6) calendar months we must receive written instructions from you. We will be effective for 14 calendar days. The stop payment order will expire at the end not send a confirmation of 14 calendar days unless you give us a written notice of the your stop payment order. Upon confirming the order in writing, the order will remain in effect for six months and must be renewed by you every six months to remain in effect. If you do not renew When the stop payment order when it expires, and the item is presented for payment, we may pay the item and charge it have no duty to notify you except for identifying the item as paid on your accountstatement. There You agree that youwill be responsible to us if anyclaim or demand is made against us as a charge for each stop payment order and renewal order requested. A stop payment order comes too late to prevent us from paying an item if we do not receive the stop payment by the close result of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the havingacted in accordance with your stop payment order. You agree to indemnifyreimburse us for any reasonable costs, defend and hold us harmless from all costs (except expenses or attorney's fees’s fees that we may incur in defending ourselves against any such claims or demands. We are not requiredto accept a stoppayment on a cashier’s check, teller’s check(“official check”), actionsor certified check, damages, claims, and demands related to or arising from our action unless you provide us with a sworn statement – in stopping payment on a form we deem acceptable – that the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen stolen, or destroyed. After a stop payment is placed, please contact us for we are not required to refund the procedures money used to follow to obtain reimbursement purchase the check, or have the cashier's check reissued. In generalissue a replacement check, you will have to complete a Declaration of Loss form, describing the cashier's check until and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If unless the check is not presented during the for payment within 90 days waiting period, after the issue or certification date. If in our discretion we may pay the item agree to a person entitled to enforce refund or replace the check. If this happens, we will not pay your claimrequire that you purchase a surety bond for the amount of the check.