Frequently Asked Questions Getting Started with Paytrust How Paytrust Works Paytrust Capabilities SmartBills™ Privacy and Security Client Services	Paytrust Capabilities What is an automatic payment? What is a recurring payment? What is the "manual" payment rule? Can I pay my bills from multiple bank accounts? How long does Paytrust store my records? Can I pay my bills from my savings account? Can I use the SmartBalance™ feature with more than one bank account? What is an automatic payment? An automatic payment is a payment that you set up to go out every month on a certain date without requiring your approval each time. You can pay the full bill, pay the minimum due, or pay a fixed amount that you are comfortable paying each month. For example, you could tell Paytrust to pay your credit card bill automatically in three different ways: Pay the entire bill if it is $200 or less. You are contacted for approval if it is more than $200. Pay the minimum amount due every month. Pay $100 every month. You will receive an email notice when an automatic bill is about to be paid. What is a recurring payment? A recurring payment is a payment that you issue regularly for a fixed amount, without receiving a bill. For example, your mortgage company may have provided you with a coupon book instead of billing you monthly. You can tell Paytrust to issue this payment to your mortgage company each month. An email notice will be generated each time a recurring bill is about to be paid. What is the "manual" payment rule? This rule means that you do not wish to set up an automatic or recurring payment. Instead, every time a bill arrives in the Paytrust Bill Center, you would like to be notified via email, so that you can visit the Bill Center and review the bill before issuing a payment. Can I pay my bills from multiple bank accounts? Yes, you can pay your bills from multiple bank accounts by providing Paytrust with a signed authorization form and blank voided check for each account that you would like to use. Your name must be pre-printed on each check. How long does Paytrust store my records? Paytrust keeps your complete bill history online for one year, including your bill images and all transaction information. After one year, you can request a CD-ROM with your bill history to be sent to you for an additional fee. Can I pay my bills from my savings account? Currently, United States banking regulations limit the number of transactions that can be made from a savings account. Paytrust works with any transaction account that provides check-writing privileges. Paytrust requires receipt of a voided check that has been pre-printed with your name and has an ABA routing number in order to set up that account for payment privileges. Can I use the SmartBalance™ feature with more than one bank account? Yes. The SmartBalance™ feature is the combined balance of your continuously updated online bank account activity (including ATM withdrawals, deposits, debits, etc.) and your up-to-the-minute Paytrust bill payment record. If you have bank accounts with more than one SmartBalance enabled bank, you can set up all of these accounts for SmartBalance \ access within the Paytrust Bill Center.