APPENDIX A:
DIGITAL BANKING DEFINITIONS

Access Code means a code that is valid to authenticate user’s identity for only one session.

Account means your designated deposit (checking or statement savings) account or consumer loan/credit line account held at Provident Bank.

Account Number means any and all accounts held at Provident Bank under the Account, including but not limited to account numbers held under a suffix number, such as checking, savings, retirement, money market, certificate and loan accounts.

Account Statement means a statement setting forth information about a checking, statement savings or loan account that is provided to a consumer on a regular basis four or more times a year.

Addendum means any and all sections of this Agreement as used in general, and specifically within the noted document.

Authentication Credential means your User ID and Password assigned through Digital Banking.

Authorized User means any user of your Provident Bank Digital Banking Services as designated by you.

Billing Account means the Provident Bank checking account from which all Bill Pay Service fees will be automatically debited.

Biller/Payee means the person or entity to which you wish a bill payment to be directed, or the person or entity from which you receive electronic bills, as the case may be.

Business Day means every day, except Saturdays, Sundays, and Federal holidays.

Cut-Off Time means shall mean the time of day that payment, deposits, withdrawal, and other transactions/instructions to be processed that day shall be processed, and after which time the earliest possible action shall be calculated or conducted from the next Business Day. Specifically, the Cut-off Time for initiating External Fund Transfers is 4:00 PM Eastern Time (“ET”). The Cut‐off Time for Mobile Deposits is 5:00 PM ET.

Deposit Account Terms and Conditions means the Provident Bank’s Consumer Deposit Accounts Terms and Conditions Agreement.

Due Date means the date reflected on your Biller/Payee statement for which the payment is due; it is not the late date or grace period.

Equipment means your personal computer, tablet, telephone, mobile device, and/or the related equipment.

E-Statement means periodic Account statements that are delivered to you electronically.

Fee Schedule means the Provident Bank’s Personal Accounts and Service Fees disclosure

Image Replacement Document or IRD means a negotiable instrument used to represent the digital reproduction of an original paper check that has been transmitted for deposit via Mobile Banking.

Inbound Fund Transfer means funds moved into an account at Provident from an account outside of Provident.

Payment Instruction means the information provided by you to the Service for a bill payment to be made to a Biller/Payee (such as, but not limited to, Biller/Payee name, Biller/Payee account number, and Scheduled Payment Date).

Payment Account means the Provident Bank checking account from which bill payments will be debited.

One Time Passcode means see Access Code.

Outbound Fund Transfer means funds moved from an account at Provident to an account at another financial institution.

Mobile Account means the method of accessing ProvidentConnect through a supported mobile application on a variety of devices.

Mobile Banking means a service that allows financial institution customers to conduct financial transactions remotely using a mobile device such as a smartphone or tablet. Unlike the related ProvidentConnect Online Banking, it uses software, usually called an app, provided by the financial institution for the purpose.

Mobile Deposit means check deposited to your Account through your mobile device via the Mobile Banking App.

Normal Business Hours means the hours from 8:00 A.M. to 6:00 P.M. Eastern Time on Business Days and 9:00 A.M. to 1:00 P.M. Eastern Time on Saturday, excluding Sundays and Federal holidays.

Paper Items means any paper check issued by a bank or financial institution for negotiation by you.

Paying Bank means the originating bank or financial institution on which any check is drawn on for negotiation.

Provident Bank, Provident, Bank, we, us, or our mean, collectively, Provident Bank.

Retention Period means the time period of fourteen (14) business days to retain your paper check after submitting your mobile deposit.

Scheduled Payment means a payment that has been scheduled through any Digital Banking Service (i.e. Bill Pay Service) but has not begun processing.

Service means any and all features of Digital Banking, as well as specifically within the noted text or document.

Service Account means a special user account that ProvidentConnect uses to interact with the operating system for online or mobile banking.

Scheduled Payment Date means the day you want your Biller/Payee to receive your bill payment, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.

Security Credentials see Authentication Credentials.

User means you and others who are enrolled directly with Digital Banking Services.

User ID means a unique credential established during enrollment which will be used for access to ProvidentConnect Online and Mobile Banking.

User Password is established in conjunction with User ID to secure credentials that allow access to ProvidentConnect Online and Mobile Banking.

User Preference means your preferred notification method (i.e. e-mail, push notification, text, etc.)

Wireless Provider or Wireless Carrier means AT&T, sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator.

You or your means: (i.) each account owner who has an interest in the accounts that are accessible through the Service. Whenever “you” is more than one person with respect to any such account or relationship, the obligations and agreements applicable to you under this Agreement shall be deemed to be joint wherever appropriate, and (ii.) each person who electronically accepting this Agreement and/or using the Digital Banking Service.

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