1. The terms you and your refer to Customers of the Bank who use United Savings Bank Online Banking.
2. The terms "we" , "us" and "our" refer to the bank that provides the United Savings Bank Online service to you, namely, United Savings Bank.
3. The term "Payee" refers to the merchants or other persons scheduled to receive payments using Online Banking services.
4. The term "PIN" refers to your personal identification number that you selected when you enrolled in United Savings Bank Online Banking.
5. Metavante refers to Electronic Bill payment service provider.

1. Access your primary checking account to pay all bills (Bill Pay).
2. Transfer funds electronically between statement accounts.
3. Obtain account information, such as statement history.
4. Order checks and request stops payments.
5. View your cleared checks electronically.

1. "Today" . If you designate a payment or transfer as a Today transaction the scheduled initiation date will be the next business day. However, sufficient funds must be available on the day and at the time you request the Today transaction. Today bill payments may not be canceled for any reason once you have ended a United Savings Bank Online Banking session, as funds are immediately deducted from your primary checking account.
   
2. "Future" . If you designate a bill pay transaction or transfer as a Future transaction, you may request that the transaction be made on a future date that you may designate up to 364 days in advance of the Scheduled Initiation Date. The processing date will be the effective date that you entered, or the next business day should the effective date fall on a weekend or holiday. Sufficient funds must be available by midnight of the night before the processing date, but will be deducted from your primary checking account on the Scheduled Initiation Date. Future transactions may be canceled or changed 24 hours prior to the Scheduled Initiation Date.
   
3. "Recurring" . If you designate a bill pay transaction or transfer as a Recurring transaction, you may request, and the bank will use, a Scheduled Initiation Date that recurs on a specified regular basis (i.e. weekly, biweekly, monthly, etc). You will designate a start and end date. Sufficient funds must be available by midnight of the night before the Scheduled Initiation Date. Recurring transactions may be canceled or changed 24 hours prior to the Scheduled Initiation Date.

1. Account Designation and Payees. All bill pay transactions you make through United Savings Bank Online Banking will be deducted from your primary checking account. Any payee you wish to pay through United Savings Bank Online Banking must be payable in U.S. Dollars and located in the United Sates. Each payee must appear on the payee list you create with the bank and the account you are paying with must be in your name. It is not advisable that you use United Savings Bank Bill Pay to make payments to a federal, state or local government tax unit.
   
2. Processing. Funds will be taken out of your primary checking account on
   the Scheduled Initiation Date entered by you. In many cases, your Bill Payments are electronically delivered to the payee within four business days after the Scheduled Initiation Date. However, some payees are not set up to accept electronic payment. In these cases, a check will be sent, which may take up to ten business days to process and deliver to the payee.
   

1. Dollar Limits. There is a daily dollar limit of $9,999.99 on any payment or Online Banking transfer.
2. Transfer Limitations. Except as provided herein, all Bill Pay transactions and transfers to and from an account are subject to the terms and conditions applicable to such account as set forth in the account terms and conditions of each account. With respect to Statement Savings Accounts and Money Market Accounts during any calendar month, you may not make more than six transfers, or withdrawals, from your account or to third parties, when these transfers are made by means of a preauthorized or automatic transfer, or telephonic order or instruction.
3. Available Funds Required. All bill pay transactions and transfers initiated through United Savings Bank Online Banking are subject to there being sufficient available funds in the affected account to cover the transfer on the effective date of the transaction.

1. Confirmation Numbers Upon completion of Bill Pay transactions and account transfer using United Savings Bank Online Banking, a confirmation number will be given. You should record this number, along with the payee, scheduled date and transaction amount in your checkbook register (or other permanent record), because this will help in resolving any problems that may occur. No printed receipts are issued through United Savings Bank Online Banking.
   
2. Periodic Statements Information concerning United Savings Bank Online Banking transactions will be shown on your monthly statement for the account to and from which transfers are made.
   
3. Recurring Deposits If you have arranged to have deposits made to a deposit account at least once every 60 days from the same person or company, you can find out whether or not the deposit has been made through United Savings Bank Online Banking or you can use our Bank By Phone system to find out whether or not the deposit has been made.
   

United Savings Bank
1510 Packer Avenue
Philadelphia, PA 19145

• Tell us your name, account number, and payee, if applicable
• Describe the error or the transfer you are unsure about, an explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount or the suspected error.

1. Through no fault of ours, your account does not contain sufficient funds to make the payment or transfer.
2. The equipment, ATM network, phone lines, or computer systems were not working properly or were temporarily unavailable.
3. Circumstances beyond our scope of control, such as fire of flood, prevented the payment or transfer, despite reasonable precautions we have taken.
4. A court order of legal process prevents us from making a transfer or payment.
5. You have previously reported unauthorized use of your password, or if you default under any agreement with us or if you or the bank terminate this agreement.
6. The payee does not process a payment correctly, or in a timely manner.

• The stop payment order is effective for six (6) months unless renewed in writing or through United Savings Bank Online Banking.
• The information on the stop payment order must be correct, including the exact amount of the check, the check number, the date and the payee.
• You understand that there may be claims or demands made against us as a result of your request to us. You agree that you will be responsible to us if any claim or demand is made against us as a result or us having acted as you requested. You agree to reimburse us for any reasonable costs, expenses or attorney's fees that we have incurred in defending ourselves against any such claims or demands.
• Requests made before 3:00 p.m. are entered on the current day and effective one business day after receipt. Requests made after 3:00 P.M. or on Saturday, Sunday, or a Federal Holiday are entered on the next business day and will be effective on the second business day after receipt.
  

• You or any authorized user of your PIN breach this or any other agreement with us;
• We have reason to believe that there has been an unauthorized use of your PIN.
• We notify you or any other party to your account that we have canceled or will cancel this Agreement. You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt or your written notice.

1. When it is necessary for verifying or completing payments or transfers, or resolving a problem relating to a payment of transfer.
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau.
3. In order to comply with government agency or court orders.
4. To any subsidiary or affiliate.
5. If you give us written permission.
6. As otherwise permitted in the United Savings Bank savings deposit agreement and disclosures, by law, or as required by government regulations.