BILL PAYING AGREEMENT/DISCLOSURE
Free Personal BillPay-e Plus. *Some restrictions may apply

This is your bill paying agreement with Ocean Bank.

You may use Ocean Bank's bill paying service, Personal BillPay-e Plus, to direct
Ocean Bank 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 from time
to time governing your account (The Account Rules).

"You" or "Your" means each person who is authorized to use the service. "Payee" means
anyone, including the Financial Institution, you designate and the Financial Institution
accepts as a "Payee".

ACCESSING THE SERVICE
* When you complete your bill paying enrollment form, you will select a User I.D. and a
Personal Identification Number (PIN).
* The Financial Institution will make every effort to accommodate your request.
* Each time you access the service, you will be asked to enter your User I.D. and PIN.
* Three (3) incorrect login attempts will cause the account to be locked out.

HOW TO SET UP PAYEES/PAYMENTS
* If you want to add a new "PAYEE", select the "Payee" tab located in your Bill Pay
application or speak to a service representative.
* You may add a new fixed payment to a "Payee" by accessing the service and entering the
appropriate information. Most other additions, deletions, or changes can be made in writing
or by using the service.
* The Financial Institution reserves the right to refuse the designation of a "Payee" for any
reason.
* You may pay any "Payee" within the United States (including U.S. territories and APO’s).
* The Financial Institution is not responsible for payments that can not be made due to
incomplete, incorrect, or outdated information.

THE BILL PAYING PROCESS
Single Payments - a single payment will be processed on the business day (generally
Monday through Friday, except certain holidays) that you designate as the payment’s
process date, provided the payment is submitted prior to the daily cut-off time on that date.
The daily cut-off time, which is controlled by the Financial Institution, is currently 4:00PM
ET.

A single payment submitted after the cut-off time on the designated process date will be
processed on the next business day. If you designate a non-business date (generally
weekends and certain holidays) as the payment’s process date, the payment will be
processed on the first business day following the designated process date.

Recurring Payments - When a recurring payment is processed, it is automatically
rescheduled by the system. Based upon your selected frequency settings for the payment,
a process date is calculated for the next occurrence of the payment. If the calculated
process date is a non-business date (generally weekends and certain holidays), it is
adjusted based upon the following rules:

* If the recurring payment‘s "Pay Before" option is selected, the process date for the new
occurrence of the payment is adjusted to the first business date prior to the calculated
process date.
* If the recurring payment’s "Pay After" option is selected, the process date for the new
occurrence of the payment is adjusted to the first business date after the calculated process
date.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as
a particular day of the month for processing and that day does not exist in the month of the
calculated process date, then the last calendar day of that month is used as the calculated
process date.

Our Business Days- Our normal business days are Monday through Friday, Excluding
Federal Reserve observed holidays, from 8:30 a.m. to 5:30 p.m.

SINGLE AND RECURRING PAYMENTS
The system will calculate the Estimated Arrival Date of your payment. This is only an
estimate. Please allow ample time for you payments to reach your "Payees".

Stop Payment
You understand our ability to process a stop payment request will depend on the payment
method and whether or not a payment has cleared your online bill payment account. You
understand we may not have a reasonable opportunity within which to act on any stop
payment request after we have already processed a payment. If you desire, you can stop
any payment online yourself. Also, you may contact us orally at least three business days
before the scheduled debit at (Cash Management (305) 569-5000 or via our secure e-mail
at cmprocessing@oceanbank.com ) to stop a payment. You understand and agree that we
have no liability for failing to accommodate a stop payment request. We may also require
you to present your request in writing within fourteen (14) days from your oral notification
with the bank. The charge for each stop payment request will be the current charge for
such service as stated in our Fee Schedule



AVAILABLE FUNDS
You agree to have available and collected funds on deposit in the account you designate in
amounts sufficient to pay for all bill payments requested, as well as, any other payment
obligations you have to the Financial Institution.

* The Financial Institution reserves the right, without liability, to reject or reverse a bill
payment if you fail to comply with the above requirement or any other term of this
agreement.
* If you do not have sufficient funds in the account and the Financial Institution has not
exercised its right to reverse or reject a bill payment, you agree to pay for such payment
obligations on demand.
* You further agree the Financial Institution, at its option, may charge any of your accounts
with the Financial Institution to cover such payment obligations.

The Financial Institution reserves the right to change the cut-off time. You will receive
notice if it changes.

Electronic Funds Transfers
Online Banking allows you to transfer funds to or from your linked Ocean Bank deposit
accounts. Such transfers, referred to as “Electronic Funds Transfers”, are subject to the
provisions of the Electronic Funds Transfer Act (the “EFT Act”). The EFT Act provides you
with certain rights and responsibilities with respect to Electronic Funds Transfers. Before you
complete your first transaction on Online Banking you must read this section of an
explanation of your rights and responsibilities under the EFT Act. Federal Reserve Board
Regulation D, depositors are permitted to make no more than six (6) transfers or
withdrawals from a savings or money market account per month.

Your Rights and Responsibilities

Lost or Stolen Password. Please remember that your Password used to access Online
Banking must be protected. Never give it to anyone, Do not write it on your computer or on
any computer materials. If you think your Password has been lost, stolen or otherwise
compromised, you may reach us at 305-569-5000. Someone will be available during normal
business hours to receive your calls.

Consumer Liability: Notifying Us Promptly Limits Your Responsibility

Contact us immediately if you think your Password has been lost, stolen or otherwise
compromised. You may incur financial liability if you fail to notify us promptly. Telephoning
is the best way of keeping your possible losses down.

If you notify us within two (2) business days of discovering that your Password has been
lost, stolen or otherwise compromised, you will not be held responsible for any unauthorized
transfers or withdrawals over $50, provided that fraud is not involved.

If you do not notify us within two (2) business days after you learn that your password has
been lost or stolen, and we could have stopped someone from accessing you account(s),
you can be held responsible for any authorized withdrawal that occurs between the end of
the two business day notice period and the time you actually notify us, if the withdrawal
could have been prevented had you notified us. We reserve the right to extend the two-
business day notice period if, in our sole discretion, a good reason, such as hospital stay,
prevented you from contacting us. Nevertheless, your maximum liability for such
unauthorized withdrawals is $500.00

Also, if your statement shows transfers or transactions that you did not make, call us at 305-
569-5000. If you do not tell us within 60 days after the statement was mailed to you, you
may not get back any money you lost after the 60 days if we can prove that we could have
stopped someone form processing transactions or transfers, if you had told us in time.

Error Resolution Notice

Errors and Problem Resolution Procedures- If you think there has been an error in an
Electronic Funds Transfers, call us at 305-569-5000. We must hear from you no later than
60 days (as indicated above). To assist you, our representative will need to know the
following information:

(1) Your name and account number (2) The dollar amount of the suspected error (3) The
type, time, and date of the transaction (4) Why you believe there was an error.

We will begin our investigation into the problem as soon as you contact us. We will make
every effort to resolve the problem as quickly as possible. We will determine whether an
error occurred within 10 business days (20 business days if the transfer involved a new
account), after we hear from you and we will correct any error promptly. If we need more
time, however, we may take up to 45 days (90 days if the transfer involved a new account
or a foreign-initiated transfer or transaction) to investigate your complaint or questions. If
we decide to do this, we will credit your account within 10 business days (20 business days
if the transfer involved a new account) for the amount you think is in 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 credit your account. An account is considered a new account for 30 days
after the first deposit is made.

We will tell you the results within three business days after completing our investigation. If
we decide that there was no error, we will send you a written explanation. You may ask for
copies of the documents that we used in our investigation from:

Electronic Banking Center Ocean Bank P.O. Box 441140, Miami, FL 33144-1140, 305-569-
5000 or email at cmsupport@oceanbank.com

Our Responsibility to You- We will be responsible for your actual losses if they were directly
caused by our failure to:

(1) Complete a transaction as you requested in accordance with this Agreement; (2)
Complete a transaction for the amount you requested in accordance with this Agreement; or
(3) Cancel an automatic transfer as you requested in accordance with this Agreement.

However, we will not be responsible for your losses if:

(1) Through no fault of ours, you did not have enough money in your account to make the
transaction; (2) Through no fault of ours, the transaction would have caused you to exceed
your available credit; (3) The money in your account was attached, subject to legal process,
or blocked in some other way; (4) You knew there was a technical malfunction in the Online
Banking Service and you used it anyway; (5) You were trying to defraud us; or (6)
Circumstances beyond our control, or a natural disaster such as flood or fire, prevented the
transaction from taking effect.


LIABILITY
* You are solely responsible for controlling the safekeeping of and access to, your Personal
Identification Number (PIN).
* You are liable for all transactions you make or that you authorize another person to
market
even if that person exceeds his or her authority.
* If you want to terminate another person's authority, you must notify the Financial
Institution and arrange to change your PIN.
* 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.
* In any event, the Financial Institution will not be liable for any special, consequential,
incidental, or punitive losses, damages, or expenses in connection with this agreement or
the service, even if the Financial Institution has knowledge of the possibility of them.
* The Financial Institution is not liable for any act, failure to act or delay in acting if it is
caused, in whole or in part, by any cause beyond the Financial Institution's reasonable
control.

AMENDMENT TERMINATION
The Financial Institution has the right to change this agreement at any time by notice mailed
to you at the last address shown for the account on the Financial Institution's records, by
posting notice in branches of the Financial Institution, or as otherwise permitted by law.

* The Financial Institution has the right to terminate this agreement at any time.
* You may terminate this agreement by written notice to the Financial Institution.
* The Financial Institution is not responsible for any fixed payment made before the
Financial Institution has a reasonable opportunity to act on your termination notice.
* You remain obligated for any payments made by the Financial Institution on your behalf.

SERVICE FEES
There is no fee for the Bill Paying Service.

When a payment you have scheduled is processed (see "The Bill Paying Process"), funds
sufficient to cover the payment are removed from your account with Ocean Bank for
transmittal to the designated Payee. In lieu of fees in addition to those listed herein, once
the funds are removed for processing, you will no longer earn, receive, or otherwise be
entitled to any interest, dividends, or other return on, or compensation for, the funds
removed.

Additional charges for customer requested services and other items. There will be No
Charge for any item if needed to correct a Financial Institution error.
Additional charges for customer requested services and other items. There will be No
Charge for any item if needed to correct a Financial Institution error.

* Written Correspondence to "Payee" : No Charge.
* Per proof of payment not necessitated by a dispute: No Charge.
* Payments returned due to customer error: No Charge.
* Reinstate: No Charge
* Cancellation: No Charge.
* ACH Return: $5.00 per item.
* Express Mail correspondence: Domestic $25.00, International $60.00.
* Non-Sufficient Funds-Paid Item: $35.00 per item. Please refer to the Schedule of Fees and
Service Charges.
* Non-Sufficient Funds-Returned Item: $35.00 per item. Please refer to the Schedule of
Fees and Service Charges.
* Uncollected Funds-Paid Item: $7.00 per item. Please refer to the Schedule of Fees and
Service Charges.
* Uncollected Funds-Returned Item: $35.00 per item. Please refer to the Schedule of Fees
and Service Charges.

MISCELLANEOUS PRODUCT FEES
* Gift Check: $2.99.
* Charitable Donations: $1.99.
* Overnight Delivery: $14.95.
* 2nd Day Delivery: $9.95.
* Electronic Economy 2nd Day: $4.95.

The Financial Institution reserves the right to charge you for research time involving
payments no longer available in your screen history.

You will be informed of any such charges before they are incurred. Bill payments are
processed by Electronic Fund Transfers (EFT). Please see the Electronic Fund Transfers
Disclosure Statement "Rules and Regulations Governing Deposit Accounts" received when
you opened your account, which discloses important information concerning your rights and
obligations.