Pioneer Link Bill Pay Services Terms and Conditions

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The Pioneer Link Bill Pay Service ("Pioneer Link Bill Pay") permits you to use your Internet-enabled device to direct payments from your designated Pioneer Link Bill Pay Account to third parties you wish to pay. This Service Addendum in conjunction with the Pioneer Link Services Terms & Conditions Agreement and Related Disclosures (including the Related Agreements as defined therein) (collectively referred to herein as the "Service Agreement") governs your use of our Bill Pay services. Your Pioneer Link Bill Pay Account must be a checking account. Through the Pioneer Link Bill Pay, you can pay bills from your Pioneer Link Bill Pay Account to businesses or individuals. Pioneer Commercial Bank reserves the right to use outside third-party companies to provide processing of Pioneer Link Bill Pay requests.

All payments you make will be deducted from the account that you designate as your Pioneer Link Bill Pay Account for the Pioneer Link Bill Pay Service. Any payments you wish to make through Pioneer Link Bill Pay must be payable in U.S. dollars to a payee with a mailing address located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using Pioneer Link Bill Pay from time to time. You may not use Pioneer Link Bill Pay to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payments to these payees will be your sole responsibility if delayed or improperly processed or credited. There is a dollar limit of $9,999.00 per vendor Bill Pay request (subject to change without notice.)

Funds are to be available in your Pioneer Link Bill Pay Account on the requested payment date. We may make the payment either by transferring funds electronically to the payee or by mailing the payee a check.

You may choose to schedule payments to recur in the same amount at regular weekly, bi-weekly, monthly, semi-monthly, quarterly, annual or semi-annual intervals (a "Fixed Payment"). If a fixed payment is chosen, the bill will be paid automatically each billing period. If the payment is not a fixed payment, it will be a "variable payment." Variable payments are not made until you enter the amount of the current bill. You may also change or skip payments that are fixed payments.

For all Pioneer Link Bill Pay payments, you agree to schedule your payment five (5) business days prior to the due date for payments to be made by check, three (3) business days for electronic transfers, (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). The first payment to a new vendor will be by check (requiring ten (10) business days lead time). You may refer to the Payee List on the Pioneer Link Bill Pay Service to determine if check or electronic transfer will make future payments. If you do not properly schedule your payment in advance, you will be fully responsible for all late fees, finance charges or other action taken by the payee.

Pioneer Commercial Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. Pioneer Commercial Bank will not be liable in any way for damages you incur if you do not have sufficient funds in your Pioneer Link Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for accuracy of vendor address, for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of Pioneer Commercial Bank.

Pioneer Commercial Bank shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through the Service. Excessive insufficient and/or uncollected funds charges could cause termination of your Pioneer Link Bill Pay feature.

March 3, 2010

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