ONLine Banking Agreement and Disclosures:

1. Coverage.
This Agreement applies to your use of our Internet Banking Service (Standard Bank ONLine), which permits you to access your accounts with us via the Internet for services selected by you and agreed upon by us. This Agreement applies to all persons that are parties to the accounts. In this Agreement, the terms ‘you’ and ‘your’ refer to each user on an account accessible by Standard Bank ONLine , and the terms ‘us,’ ‘we,’ and ‘our’ refer to Standard Bank. By using Standard Bank ONLine, you agree to abide by the terms and conditions of this Agreement and acknowledge your receipt and understanding of the disclosures contained in this Agreement. The section headings used in this Agreement are for convenience and organizational purposes only and do not in any way limit or define your or our rights or obligations under this Agreement.

2. Enrollment/Application Forms.
To establish Standard Bank ONLine you will complete certain enrollment screens or other documents evidencing your desire to access your accounts using Standard Bank ONLine . The specific available services are identified in Section 11 of this Agreement and Disclosure. Your completion of the enrollment screen and your signature on the Transfer Agreement, if applicable, constitutes your agreement to the terms of this Agreement.

3. Your responsibility.
You are responsible for selecting all systems, hardware and your Internet Service Provider (ISP) and for any defect, malfunction or interruption in service or security due to hardware failure, your choice of ISP and systems and computer services.

4. Eligible Standard Bank Accounts.
To access your account(s) through Standard Bank ONLine, you must have at least one eligible account with us. Eligible accounts are limited to consumer deposit accounts and include the following:

• Demand Deposits (Checking) Accounts
• Savings Accounts
• Certificates of Deposit
• IRA Accounts
• Loan Accounts

5. Access Codes.
To access Standard Bank ONLine, you must obtain a unique User Identification Number and Password. The Password has the same effect as your signature to authorize transactions. You agree to keep the Password private, not to record the Password or otherwise disclose or make the Password available to anyone. Anyone to whom you disclose your Password and anyone who has access to your Password will have full access to the services you can perform on Standard Bank ONLine , including full access to your accounts. You have no ability to limit any such person’s authority. If you give your Password to a third party, then, you authorize Standard Bank to accept instructions from any persons using your Password to conduct Standard Bank ONLine transactions.

6. Customer Liability.
Tell us at once if you believe your Password has been lost, stolen or otherwise became available to an unauthorized person. Telephoning is the quickest and best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft protection). If you tell us within two business days, you can lose no more than $50 if someone used your Password without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Password, and we can prove that we could have stopped someone from using your Password without your permission, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days of the date we mail a periodic statement to you, you lose any rights to recover from us, even if we failed to use ordinary care in making the transfer.

7. Contacts in Event of Unauthorized Transfer or For Other Reasons.
If you believe your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, immediately call us at 412-856-0352 during normal working hours or 1-888-722-1323 during non-working hours, and then if instructed by us, write us at:

Standard Bank Operations Department
2640 Monroeville Blvd.
Monroeville, PA 15146

8. Error Resolution Notice.
In case of errors or questions about your Electronic Transfers, contact us as soon as you can at the above telephone number or address. Also contact us if you think your statement or receipt is wrong or if you need more information about a transfer or payment listed on the statement or receipt. We must hear from you no later than 60 days after we send you the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any)
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.
• If you tell us orally or contact us through secure email, we may require that you send us your complaint in writing within 10 business days.
• We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this we will provisionally credit your account within 10 business days for the amount you think is error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not provisionally credit your account.
• If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation and we will reverse any provisional credit we made to your account. You may ask for copies of the documents that we used in our investigation.

9. Business Days.
Our business days are Monday through Friday, excluding federal holidays. We can process an internal funds transfer on the same business day as your instructions if we receive your instructions before our Standard Bank ONLine cut-off hours of 7:30 PM ET, on a business day. For an external funds transfer the cuto-off would be 5:00 PM on that business day. If we receive your instruction after these cut-offs or after the end of our business day, we process the transaction on our next business day.

10. Hours of Operation.
Although you may access Standard Bank ONLine 24 hours a day, 7 days a week, at certain times some or all of Standard Bank ONLine ‘s account options may not be available due to system maintenance. If Standard Bank ONLine will not be accessible for an extended period of time, we will attempt to provide you with notice, but we cannot guarantee prior notice will be provided.

11. ONLine Services.
Using your User ID and Password you can perform the following:

• a. Account Information. You can obtain specific information about your accounts, including: 1) account balance information, loan payment due dates and maturity dates, 2) detail information including interest rates and interest paid year to date, 3) account activity including deposits and withdrawals. You will have the ability to download your account information to specific file formats.
• b. Funds Transfers. You may transfer funds between eligible Standard Bank checking, savings, money market and loan accounts. You may also transfer funds between eligible accounts at other financial institutions and eligible accounts at Standard Bank under certain circumstances as approved by us. Fund Transfers can be scheduled on a one-time or reoccurring basis.
• A transfer of funds between any of these accounts may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Accounts requiring two (2) or more signatures are not eligible for this service. You agree to transfer funds only from accounts that have sufficient cleared funds to complete a transfer and understand that a transfer from an account with insufficient or uncleared funds may not be completed. Modifying/deleting transfers may be done prior to the 7:30 PM ET internal cut-off or 5:00 PM ET external cut-off. If the transaction has already been processed electronically, you can not reverse the transaction.
• (1). Federal Limitations on Transfers ‘ Under federal regulations, you may make no more than six transactions per monthly statement cycle from your savings or money market deposit account. These transactions include preauthorized fund transfers, telephone transfers, Standard Bank ONLine transactions, checks and point-of-sale transactions. Of these six transactions, you are limited to no more than three transactions per monthly statement cycle by check, draft, debit card or similar order to third parties. Each funds transfer through Standard Bank ONLine from savings or money market deposit is counted as one of the six limited transfers you are permitted each monthly statement cycle.
• (2). Other Limitations, Priority and Performance of Transactions — We may, from time to time, limit the type, number and dollar amounts of any checks, drafts, transfers or withdrawals made by Standard Bank ONLine, notwithstanding the amount in your accounts.
• If at any time you perform transactions (whether Standard Bank ONLine or other types of electronic or paper based transactions) on your account, and that account contains insufficient funds to allow all of the transactions to be performed, we may, at our sole discretion, choose which transactions we will allow to be performed, and we may refuse your other transactions (including your Standard Bank ONLine transactions). Alternately, we may, at our sole discretion, allow all such transactions to be performed and create an overdraft on your account. You agree to immediately reimburse us for the amount of the overdraft, and to pay any overdraft charges that may apply as set forth in our most recent fee schedule.
• c. Electronic Messages. Sending messages through Standard Bank ONLine is a way to communicate with the Bank. However, there may be times when you need to speak with someone immediately (especially to report a lost or stolen Password). In these cases do not use an electronic message. Instead, call us immediately at 412-856-0352 during working hours or 1-888-722-1323 during non-working hours. Also it is important to remember that you can not use an electronic message through Standard Bank ONLine to conduct transactions. To conduct transactions, please follow the appropriate instructions provided by the Bank.
• d. Stop Payments. A stop payment order must be received in time to give us a reasonable opportunity to act on it, and must precisely identify the number, date and amount of the item, and the payee. We will honor a stop payment request by the person who signed the particular item, or, by any other person, who has a right to withdraw from the account, even though the other person did not sign the item. A stop payment request initiated through Standard Bank ONLine will be considered a written request. Any stop payment initiated on Standard Bank ONLine will be mailed or emailed a confirmation of the stop payment. The confirmation notice will be mailed to the account address in our files. You have a right to stop payment and here are the procedures for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments, here is how: Complete the Stop Payment screen available through Standard Bank ONLine , call us at 412-856-0352 or write us at:

Standard Bank
Operations Department
2460 Monroeville Blvd
Monroeville, PA 15146

If you stop one of these payments three business days or more before the online transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Refer to our current fee schedule for charges relating to stop payments.

12. Periodic Statements.
Your Standard Bank ONLine account activity will appear on your periodic account statement.

13. Our Liability For Failure to Make Transfers.

• If you have given us all of the proper and timely instructions and have properly completed all fields to complete a transfer or bill payment, and we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
• If through no fault of ours, you do not have enough money in your account to make the transfer.
• If the money in your account is subject to legal process or other encumbrances restricting the transfer.
• If the transfer would go over the available balance in your overdraft account.
• If a transfer system was not working properly and you knew about the breakdown when you started the transfer.
• If circumstances beyond our control (such as fire or flood) prevent the transfer or use of Standard Bank ONLine despite reasonable precautions that we have taken.
• If we have a reasonable basis for believing that unauthorized use of your account(s) has occurred or is occurring, if you are in default under this or any other Agreement with us, or if you or we have terminated or suspended your use of Standard Bank ONLine .
• If your operating system is not properly installed or properly functioning.
• For errors or failures from any malfunctions of your browser, internet service provider, computer, computer virus or other problems relating to the computer equipment you use with Standard Bank ONLine, including, without limitation, your inability to access Standard Bank ONLine or any part of Standard Bank ONLine .
• For failure to provide access or for interruptions in access to Standard Bank ONLine due to Standard Bank ONLine system failure.

NOTWITHSTANDING ANY OTHER PROVISION IN THIS AGREEMENT, UNLESS OTHERWISE PROHIBITED BY LAW, OUR SOLE RESPONSIBILITY FOR AN ERROR BY US OR OUR THIRD PARTY PROVIDER IN TRANSFERRING FUNDS WILL BE TO CORRECT THE ERROR, BUT IN NO CASE WILL THE BANK BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES CAUSED BY, IN CONNECTION WITH, OR IN ANY WAY RELATED TO THE ERROR

14. Account Information Disclosure.
We will disclose information to third parties about your account or the transfers you make, as permitted by law and by our Privacy Policy, including, without limitation:

• Where it is necessary for completing or tracing transfers or resolving errors or claims;
• In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant or other financial institution;
• In order to comply with government agency, bank regulators, court orders or other legal process;
• To our employees, auditors, service providers or attorneys in the course of their duties;
• To other companies affiliated with us;
• To others with your consent; and
• Whenever required by law.

15. Termination.
We may modify, suspend or terminate your privilege of using Standard Bank ONLine and may withhold approval of any transaction, at any time, without prior notice to you. If you do not access your Standard Bank accounts via Standard Bank ONLine for any three (3) month period, for your protection, we reserve the right to discontinue this service. In the event we terminate Standard Bank ONLine , we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable. You may terminate your access to Standard Bank ONLine by notifying us in writing at:

Standard Bank
Operations Department
2640 Monroeville Blvd
Monroeville, PA 15146

16. Third Parties.
You understand that third parties other than us provide support and services relating to Standard Bank ONLine, and you authorize us to contract third parties to provide such support and service. We also reserve the right to assign or delegate certain of our rights and responsibilities under this agreement to other independent contractors or other third parties. You may not assign this Agreement, in whole or in part, or delegate any of your responsibilities under this Agreement to any third party or entity.

17. Amendment.
We may amend this Agreement at any time. Notice will be sent to you at your current address in our files, or you agree that we may communicate with you any amendment by electronic message as allowed under applicable laws and regulations. Amendments will be effective upon the date indicated in the notice. By accessing Standard Bank ONLine after the amendments have been made, you agree to be bound by the amended agreement.

18. Addition of New Services.
Standard Bank may, from time to time, introduce new online services. We may notify you of the existence of these new services when they become available and, if you choose to make use of any new service, you agree to be bound by any terms and conditions regarding the new services that we may send to you.

19. Virus Protection.
You agree that we are not responsible for any electronic virus that you may encounter using our online services. We encourage you to routinely scan your computer and diskettes using any reliable virus protection product to detect and remove any viruses found. Undetected or unrepaired, a virus may corrupt and destroy your program, files and even hardware.

20. No Waiver.
No delay of or waiver by us of any power, right, remedy or obligation under or in connection with this Agreement on any one occasion will not constitute a waiver of that power, right, remedy or waiver on any later occasion. In any event, no such delay or waiver by us is effective unless it is in writing and signed by us.

21. Fees.
Standard Bank charges certain consumers to access Standard Bank ONLine. Any other normal account and/or activity charges are applicable and you will be charged accordingly. The customer agrees to be responsible for telephone and Internet Service Provider (ISP) charges to the extent that any may be incurred by use of Standard Bank ONLine.

22. General.
This Agreement is intended to supplement and not to replace other agreements between you and us relating to your accounts, including, without limitation, our Deposit Account Rules. In the event of a conflict between this Agreement and any other account rules and agreements that apply to your accounts, this Agreement shall govern and prevail for Standard Bank ONLine related transactions.

ONLine Bill Payment Agreement and Disclosures:

1. Coverage.
This Agreement applies to all persons that are parties to the accounts. In this Agreement, the terms ‘you ‘ and ‘your’ refer to each user on an account accessible by Standard Bank ONLine , and the terms ‘us,’ ‘we,’ and ‘our’ refer to the Bank. This Agreement applies to your use of our bill payment service, Standard Bank ONLine Bill Pay, (‘Bill Pay’ or ‘Bill Payment’), that permits you to pay bills on an automatic recurring basis or as specific one-time payments. By using Standard Bank ONLine ‘s Bill Pay, you agree to abide by the terms and conditions of the Agreement and acknowledge your receipt and understanding of the disclosures contained in this agreement.

2. General.
To establish Bill Pay, you will complete certain enrollment screens or other documents evidencing your desire to access your personal accounts using Standard Bank ONLine . Your completion of the ONLine enrollment screen constitutes your acceptance to the terms of this Agreement.
You must designate one or more eligible checking accounts as your bill payment accounts. Checking accounts requiring two (2) or more signatures are not eligible for this service. To use Bill Payment, you will provide us with the name and address of the payee (i.e., the person you want to pay), your account number with that payee and any other information we require to properly debit your account with us and credit your account with the payee. If your account number or any other information changes, of if you wish to add or delete payees, you must provide us with these changes before 9:00 PM Eastern Time on the payment due date. All such designations and changes must be entered in the appropriate fields through the Bill Payment section of Standard Bank ONLine . You authorize us to make all changes submitted through Standard Bank ONLine by you or any other person having access to your Password and account information.
You may pay any party located in the United States through Bill Pay. You agree not to use Bill Pay to make payments to the Internal Revenue Service, or other tax payments, payments arising from any legal proceeding (such as child support payments or traffic tickets), payments to settle securities purchases, or to payees outside of the United States. If you do schedule these types of payments, then you assume all risks should such payments not be timely delivered or processed.
We work with payees to encourage them to accept an electronic payment or check. If we are unsuccessful or if we believe that the payee cannot process payments in a timely manner, we may decline to make future payments to this payee. In the unlikely event that this occurs, we will send you a notice. We may refuse to make payments to certain payees at our sole discretion and to payees that choose not to participate in the services.

3. Fees.
Fees for consumers are disclosed in our most recent fee schedule. You agree to pay promptly all fees. If there are insufficient funds in your account, and we may charge these fees to any other of your Standard Bank Accounts. The customer agrees to be responsible for telephone and Internet Service Provider (ISP) charges to the extent that any may be incurred by the use of Bill Pay.

4. How Bill Payments are Made.
Bill payments are processed either through an electronic transmission to the payee, or by a check drawn on your account and mailed to the payee. Payees who receive electronic delivery through an electronic transmission to the payee will receive your payment information, including your account number with the payee, through a computer link. All checks are sent through the U.S. mail. Payments made with checks are generally received and credited by most payees within five to seven business days, and payments electronically sent are generally received and credited by most payees within three business days. To help ensure that your payments arrive on time, you must schedule your payments at least five business days before the payment due date. This generally allows sufficient time for the payee to receive and post your payment. If you schedule a payment less than five (5) business days before the due date set by the payee/merchant, even if such payment is scheduled during a grace period, you assume all risk pertaining to finance or other charges that the payee/merchant might impose.

If we receive any payment instructions from a payee, we may follow those instructions to help ensure that the payment is received by the payee and promptly credited to your account, with them.

Payments where the payee requires payment stubs, coupons or remittance slips may require additional time to post as such payments are provided by us without such documentation. You acknowledge and agree that Standard Bank shall have no liability for any finance or other charges based on the request for an online bill payment to be made to a payee that requires remittance documentation.

5. Late Charges.
If you follow all of the procedures described in this Agreement and follow all Bill Payment instructions accurately and completely, and a bill payment has not arrived at the payee within the allowable number of days described on the screen at the time you scheduled the payment, we will reimburse you for all penalties and associated late fee charges incurred due to such a late payment. Situations in which you are responsible for failing to follow procedures and instructions include, without limitation, your failure to schedule the payment a correct number of days before the due date, incorrectly scheduling the payment or supplying incorrect account information.

6. Your Responsibility.
You are responsible for selecting all systems, hardware and your Internet Service Provider (ISP), and for any defect, malfunction or interruption in service or security due to hardware failure from your Internet Service Provider and its systems and computer services.

7. Access Codes.
To access Bill Pay, you must be enrolled in Standard ONLine Banking. After enrolling in Standard Bank ONLine, you will obtain a unique User Identification Number and Password. The Password has the same effect as your signature to authorize payments. You agree to keep the Password private, not to record the Password or otherwise disclose or make the Password available to anyone. You are responsible for keeping your Password, account numbers, and other account data confidential. Anyone to whom you disclose your Password and anyone who has access to your Password will have full access to the services you can perform on Standard Bank ONLine, including full access to your accounts. You have no ability to limit any such person’s authority.
We recommend that you do not give your Password to anyone else. If you give your Password to a third party, then you authorize Standard Bank to accept instructions from any party using your Password to conduct Bill Pay transactions.

8. Customer Liability.
Tell us at once if you believe your Password has been lost, stolen or otherwise became available to an unauthorized person. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft savings account). If you tell us within two business days, you can lose no more than $50 if someone used your Password without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Password, and we can prove that we could have stopped someone from using your Password without your permission, you could lose as much as $500.
Also, if your statement shows transfers/payments initiated online that you did not make, tell us at once. If you do not tell us within 60 days of the date we mail a periodic statement to you, you lose any right to recover from us, even if we failed to use ordinary care in making the payment.

9. Contact Us in Event of Unauthorized Transfer/Payment or For Other Reasons.
If you believe your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission call us immediately at 412-856-0352 during working hours or 1-888-722-1323 during non-working hours, and then if we request, write to us at:

Standard Bank
Operations Department
2460 Monroeville Blvd.
Monroeville, PA 15146

In cases where you need to speak to someone immediately (especially to report a lost or stolen Password) contact us immediately by phone.

10. Error Resolution Notice.
In case of errors or questions about your Electronic Transfers, contact us as soon as you can at the above telephone number or address. Also contact us if you think your statement or receipt is wrong or if you need more information about a transfer or payment listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any)
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.
• If you tell us orally or contact us through email, we may require that you send us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not provisionally credit your account.

If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation and we will reverse any provisional credit we made to your account. You may ask for copies of the documents that we used in our investigation.

11. Business Days.
Our business days are Monday through Friday excluding federal holidays. If we receive your Bill Pay instructions before our ONLine cut-off hour of 10:30 PM Eastern Time on a business day, Bank processing will begin the next day. If you schedule a bill payment for a future date, we process the transaction after the close of business on that date if that day is a business day. If the date you request for a future payment is not a business day, we will process the transaction on the business day immediately preceding the date you have requested. If you schedule a recurring bill payment and the payment date does not exist in a month, the payment will be processed on the last business day of that month.

12. Hours of Operation.
Although you may access Standard Bank’s ONLine Bill Payment Service 24 hours a day, 7 days a week, at certain times some or all of Standard Bank’s ONLine account options may not be available due to system maintenance. If Bill Payment will not be accessible for an extended period of time, we will attempt to provide you with notice but we cannot guarantee prior notice will be provided.

13. Canceling Bill Payments and Requesting a Stop Payment.

• a). Canceling an Order. You may cancel a pending bill payment by selecting and deleting the payment from the pending payments menu. Any instruction to cancel a bill payment must be received before 10:30 PM Eastern Time on the day the transaction is to be processed. If we don’t receive your instruction identifying a cancelled payment prior to that time, we may process the transaction. Remember that we will process your transaction on the business day before the date you requested if your request date is not a business day. Please note that until you cancel any repeating online bill payments, such payments will continue even though the obligation may have been paid off. It is your responsibility to cancel repeating online bill payments when they are no longer necessary.
• b). Requesting a Stop Payment. If a payment has already been sent electronically, a stop payment cannot be placed. If the payee has been issued a check, then stop payment requests may be made under certain circumstances by calling 1-888-722-1323. Once placed, a stop payment order on a check will be effective for 6 months from the date when it was authorized. You must decide whether to place another stop payment order for an additional 6 months when the expiration date arrives. Stop payment requests canceling specific Bill Payments to particular payees will not affect other Bill Payments already scheduled at the time of the stop order or future Bill Payments that you schedule with those payees.
• c). Our Rights. If we fail to cancel or stop any bill payments, the payment will stand unless you show us that your obligation to the payee was unenforceable. If we recredit your account, after transferring funds over a valid and timely cancellation request, you agree to sign a statement describing the dispute with the payee to transfer to us all of your rights against the payee, and to assist us in any legal action taken against the payee.

14. Overdrafts.
When you schedule a bill payment using Standard Bank ONLine Bill Pay, you authorize us to withdraw the necessary funds from your account with us. We deduct the amount of your bill payment from your account on the date we process your instruction. We may charge payments against the account even though the charge creates an overdraft, or we may refuse to make payments if the charge creates an overdraft. If you overdraw your account, you agree to immediately adjust the overdrawn amount, together with any applicable fees. If the account is maintained in connection with an overdraft protection/credit plan, any overdraft will be handled in accordance with agreement or rules governing that account rather than this Agreement.

15. Our Liability For Failure to Complete a Bill Payment.

• If you have given us all of the proper and timely instructions and have properly completed all fields to complete a bill payment, and we do not complete a payment from your account on time or in the correct amount according to our agreement with you, we will be liable to you for damages. However, there are some exceptions. We will not be liable for instance:
• If through no fault of ours, you do not have enough cleared funds in your account to make the payment. Refer to our Funds Availability Policy received at your account opening.
• If the money in your account is subject to legal process or other encumbrances restricting the payment.
• If the payment would go over the available amount in your overdraft account.
• If there are delays caused by the mail system or the negligence or willful misconduct of yourself or others.
• If the bill payment system was not working properly and you knew about the breakdown when you initiated the payment.
• If circumstances beyond our control (such as fire or flood) prevent the payment despite reasonable precautions that we have taken.
• If you have not provided us with complete and correct payment information, including without limitation the name, address, account number and payment amount for the payee on a bill payment.
• If we have a reasonable basis for believing that unauthorized use of your account(s) has occurred or is occurring, if you are in default under this or any other Agreement with us, or if you or we have terminated or suspended your use of Standard Bank ONLine or Bill Payment Services.
• If your operating system is not properly installed or functioning properly.
• For errors or failures from any malfunctions of your browser, Internet Service Provider, computer, computer virus or other problems relating to the computer equipment you use with Standard Bank ONLine, including without limitation, your inability to access Standard Bank ONLine or any part of Standard Bank OnLine .
• For a failure to provide access or for interruptions in access to Standard Bank ONLine and/or Bill Payment Services due to your Internet Service Provider system failure.
• Not withstanding any other provision in this agreement, unless otherwise prohibited by law, our sole responsibility for an error by us or our third party provider in paying a bill will be to correct the error. In no case will the bank be liable for any indirect, special, incidental, economic or consequential damages caused by, in connection with, or in any way related to the error.

16. Account Information Disclosure.
We will disclose information to third parties about your account or the transfers you make, as permitted by law and by our Privacy Policy, including, without limitation:

• Where it is necessary for completing or tracing transfers, bill pays, or resolving errors or claims;
• In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant or other financial institution;
• In order to comply with government agency, bank regulators, court orders or other legal process;
• To our employees, auditors, service providers or attorneys in the course of their duties;
• To other companies affiliated with us;
• To others with your consent; and
• Whenever required by law.

17. Termination.
We may modify, suspend or terminate your privilege of using Bill Payment Services and may withhold approval of any transaction, at any time, without prior notice to you. If prior notice is required by regulation, you agree that any required notice may be sent electronically at your Standard Bank electronic address. If you do not access Bill Payment for any 3 month period, for your protection, we reserve the right to discontinue this service. In the event we terminate Bill Payment, we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable. Any one person who can use the account accessible with Bill Payment may terminate Bill Payment by writing us at:

Standard Bank
Operations Department
2640 Monroeville Blvd.
Monroeville, PA 15146

Termination shall not affect the rights and obligations of the parties for transactions made with Bill Payment Services before we have had reasonable time to respond to your termination request.

18. Third Parties.
You understand that support and services relating to Bill Payment Services are provided by third parties other than us, and you authorize us to contract with third parties to provide such support and service. We also reserve the right to assign or delegate certain of our rights or responsibilities under this agreement to other independent contractors or other third parties.
You may not assign this Agreement, in whole or in part, or delegate any of your responsibilities under this Agreement to any third party or entity.

19. Amendment.
We may amend this Agreement at any time. Notice will be sent to you at your current address in our files, or you agree that we may communicate with you any amendment by electronic message as allowed under applicable laws and regulations. Amendments will be effective upon the date indicated in the notice. By accessing Bill Payment Services after the amendments have been made, you agree to be bound by the amended agreement.

20. Limitations, Priority and Performance of Transactions.
For security purposes, we may, from time to time, limit the number and dollar amount of any payments made through Bill Pay, notwithstanding the amount in you accounts, and terminate or suspend Bill Pay without notice unless otherwise required by law or regulation. If at any time you perform transactions (whether Bill Pay or other types of electronic or paper based transactions) on your account, and that account contains insufficient funds to allow all of the transactions to be performed, we may, at our sole discretion, choose which transactions we will allow to be performed, and we may refuse your other transactions (including your Bill Pay transactions). Alternately, we may, at our sole discretion, allow all such transactions to be preformed and create an overdraft on your account. You agree to immediately reimburse us for the amount of the overdraft, and to pay any overdraft charges that may apply as set forth in our most recent fee schedule.

21. General.
This Agreement is intended to supplement and not to replace other agreements between you and us relating to your accounts including, without limitation, our Deposit Account Rules and our Consumer ONLine Banking Agreement and Disclosures. In the event of a conflict between the Agreement and any other account rules and agreements that apply to your accounts, this Agreement shall govern and prevail.

22. Periodic Statements.
Your Standard Bank bill payments will appear on your periodic account statement.

eStatement Delivery Disclosures