BILL PAYER AGREEMENT/DISCLOSURE

This is your Bill Payer Agreement) with STAR Community Credit Union (Credit Union). You
may use the Bill Payer Service to direct the Credit Union to make payments from your
designated share draft account to the merchants and/or persons you choose in accordance
with this Agreement. The terms and conditions of this Agreement are in addition to the
account agreements, disclosures and other documents in effect from time to time governing
your Account (the Account Rules).

"You" or "your" means each person who signs the Bill Payer Enrollment Form or is otherwise
authorized to use the Service. "Merchant" means anyone you designate and STAR
Community Credit Union accepts as a payee (including the Credit Union).

ACCESSING THE SERVICE

You must be enrolled in STAR Community Credit Union Online Banking. You will log in using
your account number and your Online Banking PIN. When you are connected to
your accounts, select Bill Paying and proceed as directed. If you would like to practice
before activating your Bill Payer, click on the "Demo" button.

You will automatically be enrolled in the eClassic Service. If you wish to upgrade to the
ePlus Service, contact a Member Services Representative.

THE BILL PAYING PROCESS

The Credit Union will process variable payments on the business day (generally Monday
through Friday, except holidays) you designate the bill is to be processed, provided the
payment request is received prior to the cut-off time set by the Credit Union, which is
currently 1:00 p.m. PST. The Credit Union reserves its right to change the cut-off time by giving you notice if it changes.

FOR RECURRING PAYMENT REQUESTS, IF YOU DESIGNATE A PROCESSING DATE OF THE 28TH THROUGH THE 31ST OF A MONTH, PROCESSING WILL BE INITIATED ON THE LAST CALENDAR DAY OF THE MONTH. Otherwise, recurring payment requests will be processed on the dates you have designated.

YOU MUST ALLOW AT LEAST EIGHT (8) BUSINESS DAYS PRIOR TO THE DUE DATE FOR
EACH BILL PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANT.IT IS YOUR
RESPONSIBILITY TO SCHEDULE/ACTIVATE RECURRING PAYMENTS.

You agree to have available and collected funds on deposit in the account you designate in
amounts sufficient to pay for all bill payments requested, as well as, any other payment
obligations you have to the Credit Union. The Credit Union reserves the right, without
liability, to reject or reverse a bill payment if you fail to comply with this requirement or any
other terms of this agreement. If you do not have sufficient funds in the Account and the
Credit Union has not exercised its right to reverse or reject a bill payment, you agree to pay
for such payment obligations on demand. You further agree the Credit Union, at its option,
may charge any of your accounts with the Credit Union to cover such payment obligations.

Any bill payment can be changed or canceled, provided you access the Service prior to the
cut-off time on the business day prior to the business day the bill payment is going to be
initiated.

LIABILITY

You are solely responsible for controlling the safekeeping of, and access to, your Personal
Identification Number (PIN). You are liable for all transactions you make or that you
authorize another person to make even if that person exceeds his or her authority. If you
want to terminate another person's authority, you must notify the Credit Union and arrange
to change your PIN. You will be responsible for any Bill payment request you make that
contains an error or is a duplicate of another Bill payment. The Credit Union is not
responsible for a bill payment that is not made if you did not properly follow the instructions
for making a bill payment. The Credit Union is not liable for any failure to make a bill
payment if you fail to promptly notify the Credit Union after you learn that you have not
received credit from a Merchant for a bill payment. The Credit Union is not responsible for
your acts or omissions or those of any other person, including, without limitation, any
transmission or communications facility, and no such party shall be deemed to be the Credit
Union's agent. In any event, the Credit Union will not be liable for any special,
consequential, incidental, or punitive losses, damages, or expenses in connection with this
Agreement or the Service, even if the Credit Union has knowledge of the possibility of
them. The Credit Union is not liable for any act, failure to act or delay in acting if it is
caused, in whole or in part, by any cause beyond the Credit Union's reasonable control.

AMENDMENT AND TERMINATION

The Credit Union has the right to change this Agreement at any time by notice mailed to you
at the last address shown for the Account on the Credit Union's records, by posting notice in
branches of the Credit Union, or as otherwise permitted by law.

The Credit Union has the right to terminate this Agreement at any time. You may terminate
this Agreement by written notice to the Credit Union. The Credit Union is not responsible for
any fixed payment made before the Credit Union has a reasonable opportunity to act on
your termination notice. You remain obligated for any payments made by the Credit Union
on your behalf.

FEES

eClassic Service is free if you use this service each month and receive your monthly
account statements by email. If you require paper statements, there will be a $1 per month
charge.

ePlus Service is $2 per month if you use this service each month and receive your
monthly account statements by email. If you require paper statements, there will be a $3
per month charge.

90-DAY INACTIVITY FEE - If you have signed up for Bill Payer, but do not use it, a
monthly $5 service charge will be applied to your account after 90 days of non-use.

ADDITIONAL FEES

NSF Payments Paid (Daily max. $125.00): $25.00
NSF Payment Returned (Daily max. $105.00): $21.00
Extended Overdraft (charged after 9 consecutive days with a negative balance)
Overdraft transfer from share: $4.00

ADDITIONAL CHARGES FOR CUSTOMER REQUESTED SERVICES AND OTHER ITEMS

Please refer to STAR Community Credit Union's fee schedule.