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Campbell & Fetter Bank Bill Pay Application

Name:
Account Number: (Bill Pay is only available for checking accounts)

User Terms and Conditions

This Netteller Bill Payment Agreement ("Agreement") for accessing your Campbell & Fetter Bank account(s) via the Internet explains the terms and conditions governing the Netteller Bill Payment Services offered through Campbell & Fetter Bank (collectively, the “Bill Pay Services”). By using Bill Payment Services, you agree to abide by the terms and conditions of this Agreement. This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent there is no applicable federal law or regulation, by the laws of the State of Indiana. For the purpose of this agreement, "us," "we," "our" or "the Bank" shall refer to Campbell & Fetter Bank. "You," "your" or "Customer" shall refer to each and all signers on an account who signs up for the services provided herein (“Services”). All references to time of day in this Agreement and Disclosure refer to local time of Bank.

Internet Security Risks

Information transmitted over the Internet may be subject to the risk of unauthorized access, alteration or modification. You agree to exercise discretion and secure your password when accessing the Service.

Business Days

For purpose of this Agreement, our business days are Monday through Friday, excluding holidays (“Business Days”).

Deposit Accounts

Bill Payment Service

The following terms and conditions apply to your Bill Payment Services (“Bill Payments”). Your use of this service constitutes your agreement to these terms and conditions and any modification thereof.

Account Designation

Payee

Processing

Your Timing Allowance

Notification of Insufficient Funds; Insufficient Fund Fees

Provisionality of ACH Payment

A Receiving Depository Financial Institution (“RDFI”) is the institution that receives ACH entries from the ACH Operator and posts them to the accounts of its depositors (“Receivers”). Customer agrees to be bound by the provision of the National Automated Clearing House Rules making payment of a credit Entry by the RDFI to the Receiver provisional until receipt by the RDFI of final settlement for such credit Entry. Customer understands that if final settlement is not received, the RDFI will be entitled to a refund from the Receiver of the amount credited and Customer will not be deemed to have paid the Receiver the amount of the credit Entry.

Customer agrees that any payment by Bank to Customer for any returned credit Entry or credit Reversal is provisional until receipt by Bank of final settlement for such Entry. If final settlement is not received, Bank is entitled to a refund from Customer of the amount credited and Bank may charge Customer’s account for the amount credited. Bank may refuse to permit the use of any amount credited for a credit Reversal if it believes that there may not be sufficient funds in Customer’s account to cover chargeback or return of such Reversal.

Hours of Accessibility

Bank will not be responsible for any losses or inconvenience caused by these temporary unavailability periods.

Limitations on Services

Dollar Limitations - Bill Payment

Available Funds Required

Documentation

Canceling Bill Payments

Stop Payment Method for Canceling Bill Payments

If it is too late to cancel a payment through On-line Bill Payment, you may be able to request a stop payment by calling 1- 800-450-0310. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. If you call or write to cancel a transfer or payment, you will be charged a stop payment fee of $15.00. We will attempt to cancel the payment as long as we receive your cancel request prior to the Scheduled Initiation Date. Bank may, in its discretion, use reasonable efforts to process a stop payment request received on or after the Scheduled Initiation Date. Bank will not be held liable for its failure to stop any Bill Payment if your request is received on or after the Scheduled Initiation Date.

Customer acknowledges and agrees that a stop payment order on payments (including checks) which are not initiated through the Service (e.g., personal checks written by the account holder) CANNOT be accepted through the Service and must be made in person or by phone.

When placing a stop payment order on a Bill Payment through the Service, Customer must be able to provide the following information:

No stop payment order will be effective against a transaction that has paid prior to the time that the Bank has both received the request and had a reasonable period of time to respond to the order. Any loss suffered by Customer due to Customer's failure to accurately identify the payment in the stop payment request will be the responsibility of Customer and not of Bank. We are not responsible for any risk or liability resulting from canceling a payment pursuant to your request. If you order us to stop one of these Bill Payments prior to the Scheduled Initiation Date, and we do not stop the payment, we will be liable for your losses or damages.

On-line Banking Fees and Charges

Currently there is no charge for using Netteller On-line Banking Services. Service Charges and Fees are subject to change. Notice of changes will be provided as required by law. All service charges are defined in the Your Deposit Agreement for Truth-In-Savings Disclosure.

Consumer Liability

In addition to this Agreement, you agree to comply with all applicable account agreements, including, the Your Deposit Agreement you received when opening your account.

Contact in Event of Unauthorized Transfer

If you believe your Access Password has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call 1-800-450-0310 or write, Campbell & Fetter Bank, P.O. Box 231, Kendallville, IN 46755.

Confidentiality

We will disclose information to third parties about your account or the transactions you make as stated in the Your Right to Privacy Agreement you received when opening your account:

The Bank, from time to time, enters into agreements with affiliates or third parties to provide bank related services for the Bank. The services provided by the third parties may include check processing services, data processing services or other bank-related services.

Termination

Either you or we may terminate this Agreement and your Netteller On-line Banking Services subscription at any time, with or without cause, upon giving notice of the termination to the other party. If you terminate the Services, you authorize us to continue making transfers and bill payments that you have previously authorized until such time as we have had a reasonable opportunity to act upon your termination notice. After we have acted upon your termination notice, we will make no further transfers or payments from your accounts, including any transfers or payments that you have previously authorized. If we terminate your use of the Service, we reserve the right to cease all further transfers or payments from your accounts, including any transactions you have previously authorized. Termination by Campbell & Fetter Bank of your Netteller On¬line Banking Services does not constitute a termination of your checking account or any other deposit accounts that you may have unless Campbell & Fetter Bank advises you in writing that those other accounts have also been terminated.

Limitation of Liability of Bank

Notwithstanding any other provision of this Agreement, Bank shall not be liable for any loss, expense or delay caused by accidents, strikes, fire, flood, war, riot, electrical or mechanical failure, software, acts or omissions of the Customer, or any other third parties (including, but not limited to, acts or omissions of any telephone or telecommunications carrier), acts of God or any other cause or causes which are beyond its reasonable control.

Compliance with Laws and Procedures

Amendments

Miscellaneous

Campbell & Fetter Bank

Attention: Netteller On-line Banking Services.

P.O. Box 231

Kendallville, IN 46755

unless another address is substituted by notice delivered or sent as provided herein. Except as otherwise expressly provided herein, any such notice shall be deemed given when sent or received by Bank.

Disputes

This Agreement shall be governed by the laws of the State of Indiana, exclusive of choice of law rules. In any litigation arising out of this Agreement, the prevailing party will be entitled to recover all reasonable expenses of litigation and appeal (including without limitation attorneys’ fees), in addition to any other remedy to which the prevailing party is entitled. Bank and Customer hereby consent to the personal jurisdiction of the federal and state courts in the state of Indiana in any action brought in connection with this Agreement.

Severability

If any provision herein, or part thereof, is held to be invalid, illegal or unenforceable, the remainder of the Agreement, or other parts or applications of such provisions, shall not be affected thereby.

Assignment

We may assign our rights and delegate our duties under this agreement to a company affiliated with us or to any third party.  Customer hereof may make no assignment without the prior consent of Bank.

Signature:   Date:
Co-Applicant Signature:   Date:

FHEO*Equal Opportunity Lender                                                                                                                                              FDIC *Member FDIC