B&H Pay e Agreement and Disclosure Statement

This B&H Pay e Online Bill Pay Agreement and Disclosure (the "Agreement") is between Burke & Herbert Bank & Trust Company and each consumer who has applied for, been approved for and enrolled in B&H Pay e bill paying service via the Internet, and any person authorized by such consumer to use his B&H Pay e bill pay service. This agreement sets forth the terms and conditions, under which you may use B&H Pay e to pay or transfer funds from your Burke and Herbert Bank checking account to designated payees, based on your instruction to us via electronic means.

By completing a B&H Pay e application form and signing and returning to us the acknowledgment of B&H Pay e Terms and Conditions, you have agreed to be bound by the terms and conditions of this Agreement. This Agreement describes your and our rights, responsibilities and obligations with respect to B&H Pay e services and supplements the electronic funds transfer agreement (s) and disclosure(s) that you received previously when opening your Burke & Herbert Bank deposit account (s) and/or contracting for other types of electronic funds transfer access to those accounts.

In this Agreement, the words "you," "your" and "user" mean those who sign as applicants, are authorized user(s)of your designated checking account or have an interest therein; and each and every person who now or hereafter subscribes to or uses B&H Pay e. The words "we," "us" and "our" mean Burke & Herbert Bank & Trust Company and any agent, independent contractor, designee, or assignee that Burke & Herbert Bank may, in its sole discretion, involve in the provision of online banking services. The word "Payee" means an individual or business that you select in advance to receive one or more B&H Pay e payments. "Payment Date" means the scheduled date on which a B&H Pay e payment is initiated. Other definitions appear within the text of this Agreement.

1. Single Payment: You may schedule a one-time payment to a Payee. Your payment Date for that payment may be up to one year in the future (a "future Single Payment") or you may schedule payment for the same day you enter the payment information on B&H Pay e (a "same day Single Payment"). One-time payments submitted before 3:00 a.m. EST Monday through Friday will be processed at 3:00 a.m. EST. Payments submitted between 3:00 a.m. EST and 1:00 p.m. EST will be processed at 1:00 p.m. EST. Payments received after 1:00 p.m. EST on Monday through Thursday will be processed the next business day. Payments received after 1:00 p.m. EST on Friday will be processed the next business day.
   
   
2. Recurring Payments: You may schedule automatic fixed amount payments to be initiated on the same day of every month (a "Recurring Payment"). If your Recurring Payment Date does not exist in a particular month, the payment will be initiated on the last business day of the month. For example, if your payment date is the 30th of every month, your February payment will be initiated on February 28th. If a Recurring Payment Date falls on Saturday, your payment will be initiated on the previous Friday.
   
   
3. Multiple Payments / Same Payee: You may schedule multiple payments to the same payee to be initiated on the same Payment Date, for the same amounts.

1. Single Payments: You may change or delete a scheduled payment up to 3:00 a.m. EST on the scheduled Payment Date Monday through Friday. Scheduled future Single Payments that will occur on a weekend or holiday must be changed or deleted by 1 p.m. EST on the Friday or last business day before the scheduled future Single Payment date. You will receive a B&H Pay e confirmation screen when your payment has been changed or deleted. However, your original Payee payment confirmation number will remain the same. Please make a record of it, as it will help us resolve any questions you may have about your B&H Pay e transactions.
   
   
2. Recurring Payments: You may change or delete a Recurring Payment up to 3 a.m. EST on the scheduled Payment Date Monday through Friday. However, a Recurring Payment with a Payment Date that falls on a Saturday must be changed or deleted by 1 p.m. EST on the Friday before the Payment Date. You will receive a B&H Pay e confirmation screen when your payment has been changed or deleted. However, your original Payee payment confirmation number will remain the same. Please make a record of it, as it will help us resolve any questions you may have about your B&H Pay e transaction.
   
   

1. Confirmation Number: A confirmation number will be assigned to each B&H Pay e payment at the time you submit your request. A confirmation number will also be assigned each time you instruct us to amend, delete or skip a previously scheduled B&H Pay e payment. Please record these confirmation numbers for future reference. They will help us resolve any questions, and expedite any request you may have about your B&H Pay e transaction. B&H Pay e Confirmation Numbers for scheduled payments are found in the menu option for "View Payment Schedule."
   
   
2. Periodic Statement: You will get a monthly statement for your designated account (unless there are no transactions in a particular month, in any event, you will receive a statement at least quarterly). All B&H Pay e payments will appear on your account statement.
   
   

1. If, through no fault of ours, you do not have enough available money in the account from which a payment or transfer is to be made, or if the account has been closed or is not in good standing, or if we reverse a payment or transfer because of insufficient funds.
   
   
2. If any payment or transfer would go over the credit limit of any account.
   
   
3. If your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction.
   
   
4. If you have not given us complete, correct or current account numbers or other identifying information so that we can properly complete the transaction.
   
   
5. If you do not properly follow our instructions or if you provide us with wrong or inaccurate information or fail to correct or tell us about any inaccuracy of which you are aware.
   
   
6. If you do not instruct us soon enough for your payment or transfer to be received and credited by the time it is due.
   
   
7. If the money in the account from which a payment or transfer is to be made is subject to legal process or other claim restricts the transaction.
   
   
8. If circumstances or persons beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that we have taken.
   
   

UNAUTHORIZED TRANSACTIONS OR LOSS OR THEFT OF YOUR INTERNET BANKING IDENTIFICATION NUMBER OR PASSWORD
If you believe your Internet Banking identification number or password or other means of access have been lost or stolen or that someone has used them without your authorization, call us immediately at 703-684-1655 during normal business hours, or write to us at P.O. Box 268, Alexandria, VA 22313. Telephoning us within two (2) business days is the only way to limit your possible losses to $50.00. Failure to do so increases your liability up to $500.00. If your statement shows transfers you didn't make, tell us at once. If you do not tell us within 60 days after the statement was mailed to, you may not get back any of the money you lost if we can prove we could have prevented the loss with timely notification. If a good reason, for example, a hospital stay, prevents you from telling us, we may extend the time periods. Tell us your name and account number, describe the error and tell us the dollar amount. If you tell us orally we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct the error promptly. If we need more time we may take up to 45 days to investigate. If so, we will credit your account within 10 business days for the amount in question so you will have use of the money until we complete our investigation. If we ask for a written complaint and we do not receive it within 10 business days, we may not credit your account. We will tell you the results within three (3) business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documentation used in our investigation.

• You or any authorized user of your B&H Pay e services breach this or any other agreement with us;
• We have reason to believe that there has been an unauthorized use of your B&H Pay e service; or
• If on two (2) or more occasions during a 12 month period your designated checking account and any overdraft protection account has insufficient available funds to cover a B&H Pay e payment you have instructed us to make.