Coming on January 3rd, 2012

Our internet banking customers will be able to enroll for online bill pay starting January 3rd, 2012. Once you have logged into Internet Banking, simply click on the BILL PAY tab, enter some basic information and you are ready to start adding payees and setting your options and preferences. You can even setup payments immediately.

Please be sure you read and/or print the bill pay enrollment and disclosure that will be presented to you online.

Our bill pay service provides assistance by real-time online chat or by toll-free telephone. For any questions concerning the use of our bill pay, please use one of these forms of assistance -- the contact information is on the bill pay screen(s).

You cannot mix personal and business accounts under one bill pay enrollment.

Features available to you:

• Schedule single or recurring payments

• Payment history stored for a minimum of 18 months

• Text message alerts or reminder emails to pay bills

• Pay from multiple accounts on a single screen

• Memo and comment fields for payments

• Categorize payees

• Track check payments through the U.S. Postal system

• Single sign-on from our Internet Banking web site

• Toll free telephone and online chat support

• Pay anybody with an email address and bank account

• Transfer your funds from our bank to your account at any other bank in the U.S.

• Make personalized gift checks or charitable donations

• Rush payments option available -- next day deliver

• and there is more...