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Provisions of Services: The services to be provided to you shall include only the services expressly set forth in the Agreement. This Agreement supplements the other terms and conditions set forth in the Bank’s Terms and Conditions of Your Account, the Business Online Banking Customer Agreement and Disclosure Statement and all related disclosures that you have previously agreed to. The Bank has the right to determine, in our sole discretion, the nature and extent of the services to be provided. The services described herein are the sole property of the Bank and any third-party vendors utilized to provide the service. You shall have no rights to the services, other than those rights expressly granted under this Agreement. Training: The Bank will conduct training to instruct you on how to transmit a check file through the Positive Pay Service in Business Online Banking. File Transmission Requirements: You must transmit the file in a file format approved by the Bank. Check Files must be submitted in one of the following formats: Excel, Fixed Length File, CSV (Comma Separated Variable), or Manual Entry. Exception Reports: The Bank will compare the Check File received from you to checks presented for payment on the Account(s). The Bank will then prepare an Exception Report for the prior Business Day on each Account for which you have requested the Service. The Exception Report will list all checks which were not included in the Check File submitted by you and any check presented for a different amount than what the Check File had authorized. Deadlines: File Transmission Deadline: You must provide us with the Check File(s) via the Positive Pay system through Business Online Banking no later than 5:00 p.m. (Eastern Standard Time) on a Business Day. You may send more than one file per day. Check files received after the cutoff time may be processed the next business day. Pay/Return Decision Deadline: You must notify the Bank of any Pay Request or Return Request for all exception items by 11:00 a.m. (Eastern Standard Time) on the same business day that you received the exception report. Any checks or ACHs that you have not made a Pay/Return Decision on by 11:00 a.m. (Eastern Standard Time) will be authorized and paid per standard banking procedures. We shall not be required to verify checks on the exception report against previously cleared or posted items. Services Fees and Additional Charges: Service fees apply to the use of Positive Pay. Fees are subject to change. You agree to pay such charges and authorize us to deduct the calculated amount from your account for the payment amounts as well as any additional charges that may be incurred by you. Any fees associated with your standard deposit accounts will continue to apply. You are responsible for all fees, service charges or data usage amounts that may be assessed by your internet or telephone provider. Termination: e The Bank may terminate this Agreement at any time for any reason by providing written notice to you by fax, e-mail or mail. Any termination of this Agreement by us shall not affect any of your obligations under this Agreement regarding all transactions initiated prior to such termination. Page 2 of 4