This is your bill paying agreement with Gulf Coast Bank and Trust Co. You may use Gulf Coast Bank and Trust Co. bill paying service, iPay Solutions, to direct Gulf Coast Bank and Trust Company to make payments from your designated checking account to the Payees you choose in accordance with this agreement. The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents in effect governing your account.

Service Definitions

• Service means the bill payment service offered by Gulf Coast Bank and Trust Co through iPay Solutions.
• Agreement means these terms and conditions of the bill payment service.
• Payee/Biller is the person or entity to which you wish a bill payment to be directed to or is the person or entity from which you receive electronic bills, as the case may be.
• Payment Instruction is the information provided by you to the Service for a bill payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number, and Scheduled Payment Date).
• Payment Account is the checking account from which bill payments will be debited.
• Payment Methods are the types of payments that may be sent to Payees. The Payment Method used for each payment is the most efficient method accepted by the Payee as determined by iPay Solutions.
• Billing Account is the checking account from which all Service fees will be automatically debited.
• Business Day is every Monday through Friday, excluding Federal Reserve holidays.
• Scheduled Payment Date is the day you want your Biller to receive your bill payment and is also the day your Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day or if the payment is made via Draft Check and received and negotiated by the Payee/Biller prior to the Scheduled Payment Date entered.
• Due Date is the date reflected on your Biller statement for which the payment is due; it is not the late date or grace period.
• Scheduled Payment is a payment that has been scheduled through the Service but has not begun processing.
• Subscriber is the individual or business who has subscribed for the Service
• Primary User/Admin is an individual who is authorized to add Sub-Users and assign permissions for Business Bill Pay
• Sub-User is an individual who has been authorized by a Primary User to access Business Bill Pay

Establishing Payees and Payments:
If you want to add a new Payee, first select the Payee tab located in the bill pay service. The Financial Institution reserves the right to refuse the designation of a Payee for any reason.

Payments:
You may add a new payment to a Payee by accessing the service and entering the appropriate information. Most other additions, deletions, or changes can be made by using the service. You may pay any Payee with-in the United States. The Financial Institution is not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information.

Processing Information:
Subscribers choose the day they want the payment to be delivered. The system calculates the process date so the payment arrives on time. Electronic ACH Payments will be debited from the payment account on the deliver by date. Payments processed as Draft Checks will be withdrawn from the payment account when the Payee/Biller negotiates the item which could be prior to the Scheduled Payment Date. Payments made via Single-Use Pre-Paid Card will be debited from the payment account on the deliver by date and are processed by the Payee within 24-48 hours based on the Payee's processor agreement. A Payment will be processed on the business day that you designate provided that the payment is submitted prior to the daily cut off time of 3:30pm CST. A payment submitted after the cut off time will be processed on the next business day.

Tax payments and court ordered payments may be scheduled through the Service, however such payments are discouraged and must be scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from your scheduling of these types of payments. The Service Guarantee as it applies to any late payment related charges is void when these types of payments are scheduled and/or processed by the Service. The Service has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, mis-posted or misdirected payments will be the sole responsibility of you and not of the service.

Failed or Returned Transactions:
In using the Service, you are requesting the Service to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction may not be completed, and you will be notified by the Financial Institution.

Cancelling a Transaction/Payment:
You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited.

When scheduling a payment, you are responsible for reviewing the payment, including acknowledging any warning message that may be displayed by the system, prior to submitting the payment. If you have submitted a payment in error and the payment has processed electronically, via ACH or Single-Use Pre-Paid Card, you must resolve the error with the Payee.

If you have submitted a payment that has processed as a Draft Check and the Check has not yet cleared the payment account, you can request that payment be stopped on the Check by contacting Digital Banking Support or Business Solutions Support. Every effort will be made to accommodate your request to stop a Check payment that has not cleared the payment account; however, the service will have no liability for failing to do so. You may also be required to present your request in writing within (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.

Liability:
You are solely responsible for controlling the safekeeping of and access to the services. You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. The Financial Institution is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment. The Financial Institution is not liable for any failure to make a bill payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a Payee for a bill payment. The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's agent.

Additional Liability for Business Customers:
Primary User for a Business Bill Pay Subscriber has the ability to add Sub-Users and establish permissions for the Sub-User. Primary User is responsible for activity initiated by a Sub-User. The Primary User is responsible for monitoring the activity of Sub-Users, disabling a Sub-User's permissions if/when they are no longer authorized to use the Service and cancelling any recurring payments the Sub-User may have set up.

Limits:
Consumer

1. Maximum Total Transaction Amount Per Day $99,000
2. Pay an Individual Per Transaction $3,000
3. Pay an Individual Per Day $5,000

Business:

• Payment Cap Per Transaction $100,000
• Payment Cap Per Day $250,000
• Pay an Individual Per Transaction $5,000
• Pay an Individual Per Day $10,000

Service Fees and Additional Charges:
At this time there are no fees charged for the basic services of our Digital Banking Service or Bill Pay Services. Fees for optional services are:

• $1.99 for Donation Checks
• $2.99 for GiftPay Checks
• $9.95 for Consumer Bill Pay Second Day Rush Payments
• $14.95 for Business Bill Pay Second Day Rush Payments
• $14.95 for Consumer Bill Pay Next Day Rush Payments
• $19.95 Business Bill Pay Next Day Rush Payments
• $45 for Stop Pay (Checks only) requests processed by GCB or $30.00 if placed by you in Digital Banking. You can telephone us at 855-876-0873 during Customer Service hours of 6:30am until 1:00am CST to obtain the check number.

Additional Fees may be established by Bank at any time.

Any applicable fees will be charged regardless of whether the Service was used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.

Amendment:
This Agreement may be altered or amended from time to time. In such event, the Service shall provide notice to you. Any use of the Service after the Service provides you a notice of change will constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates. In addition, as part of the Service, you agree to receive all legally required notifications via electronic means.

Termination:
The Financial Institution has the right to terminate this agreement at any time. In the event you wish to cancel the Service, you may have the ability to do so through the product, or you may contact Customer Service via one of the following:

Telephone us at 855-876-0873 during Customer Service hours of 6:30am until 1:00am CST; and/or

Write us at:

Gulf Coast Bank and Trust Co.
Attn Digital Banking Support
2008 Ronald Reagan Hwy.
Covington, LA 70433

Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.

Bill Delivery and Presentment:
This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Billers directly if you do not receive your statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following:

Information provided to the Biller:
The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Biller. Any changes will need to be made by contacting the Biller directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. The Service may, at the request of the Biller, provide to the Biller your e-mail address, service address, or other data specifically requested by the Biller at the time of activating the electronic bill for that Biller, for purposes of the Biller informing you about Service and/or bill information.

Activation:
Upon activation of the electronic bill feature the Service may notify the Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.

Authorization to obtain bill data:
Your activation of the electronic bill feature for a Biller shall be deemed by us to be your authorization for us to obtain bill data from the Biller on your behalf. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.

Notification:
The Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.

Cancellation of electronic bill notification:
The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. The Service will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.

Non-Delivery of electronic bill(s):
You agree to hold the Service harmless should the Biller fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.

Accuracy and dispute of electronic bill:
The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Biller directly.

This Agreement does not alter your liability or obligations that currently exist between you and your Billers.

ERRORS AND QUESTIONS:
In case of errors or questions about your transactions, you should notify us via one of the following:

Telephone us at 800-223-2060 during Customer Service hours of 6:30am until 1:00am CST;
Contact us by using the application's messaging feature; and/or,
Write us at:

Gulf Coast Bank and Trust Co
Attn: Digital Banking Support2008 Ronald Reagan Hwy.
Covington, LA 70433

Notification should include:

1. Tell us your name and Service account number;
2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,
3. Tell us the dollar amount of the suspected error.

We will tell you the results of our investigation within twenty (20) Business Days after we hear from you and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. We will ask you to submit your complaint or question in writing and may require a police report or affidavit. If it is determined there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation.

Disclosure of Account Information to Third Parties:
It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations:

1. Where it is necessary for completing transactions;
2. Where it is necessary for activating additional services;
3. In order to verify the existence and condition of your account to a third party, such as a credit bureau or Biller;
4. To a consumer reporting agency for research purposes only;
5. In order to comply with a governmental agency or court orders; or,
6. If you give us your written permission.

Exclusion of Warranties:
The service and related documentation are provided as is without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose.

Address or Banking Changes:
It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made within the application. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information.

Assignment:
You may not assign this Agreement to any other party. The service may assign this agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver:
The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions:
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

Governing Law:
This Agreement shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect.

THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.

 

REV 9/22