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This Online Banking Access Agreement and Electronic Funds Transfer Act Disclosure explain the terms and conditions that govern your use of the online internet and telephone banking services that we offer.You may also pay bills from your bank accounts in the amounts and on the dates you request if you have enrolled in our Bill Payment Service.Balance and activity information is displayed in real time format.• “Payment Account” is the checking account that you are required to designate as the account from which bill payments and service fees and charges will be debited.• “Service” refers to the services provided pursuant to this Agreement, including Bill Payment Service.

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