Q: How do I make an online payment using the e-Loan Pay one-time payment service?

A: There are just a few simple steps involved in making a one-time online loan payment:

• Enter your required authentication information (e.g., loan account number, zip code, etc.).
• Enter your contact information (name, address, phone, e-mail).
• Enter your payment information (payment amount and bank account details).
• Review your entered information and make any necessary changes.
• Submit your loan payment.

Q: Does the program store any of my information for future use?

A: No. 1st National Bank of Scotia's e-Loan Pay service only allows you to complete a one-time payment. You will need to authenticate and enter your information each time you make a payment using the e-Loan Pay service.

Q: How secure is my personal and financial information?

A: The e-Loan Pay service utilizes the following security features:

• SSL - Secure Sockets Layer (SSL) protection is used to ensure your connection and information are secure.
• Encryption - 128-bit encryption security levels are strictly enforced for users accessing this service. All users accessing the service must ensure that their Web browsers are set to enable 128-bit encryption.
• Automatic Sign Out - The system will automatically sign you out after 20 minutes of inactivity.

Q: Are there any restrictions on which Web browsers can be used?

A: No. Most browsers are compatible with the service; however, the system is designed to work with Windows Internet Explorer and Microsoft-based web browsers will produce the best results.

Q: Why are only some versions of browsers supported?

A: To help ensure that your confidential financial information is protected in transit, all messages between your browser and the payment service are encrypted. Some browser versions do not support the needed levels of encryption.

Q: How do I know when a secure session has been created?

A: Most of the supported browsers will provide you with a message box stating that you are entering a secure session. Another indication that your browser is operating in a secure mode can be found in the website address. The address will begin with (http:) when in standard, non-secure mode and with (https:) when in secure mode. The 's' in 'https' stands for secure.

Q: What are my obligations to help secure my transaction using the one-time payment service?

A: As more completely explained in the Terms and Conditions, you are responsible for maintaining the safety and security of your banking account information, bank routing number, or your billing account information and not providing that information to unauthorized users. Also, you should ensure you are using an appropriate browser and close your browser immediately upon completion of your loan payment transaction.

Q: Is there a fee for using the e-Loan Pay service?

A: No, there is no fee for using this service.

Q: Do you accept credit or debit card payments?

A: No. The one-time payment service is designed to accept only a direct ACH transfer from your bank payment account.

Q: When setting up my payment account information, where can I find my bank's routing transit number and checking account number?

A: The nine-digit routing transit number can typically be found on the lower left-hand side of your check. The checking account number is usually to the right of the routing number. This may vary by bank so if you have any questions relative to either your routing or account number, please contact your bank directly.

Q: When will the payment be applied to my loan account?

A: Payments made Monday through Friday prior to 5:00 P.M. Eastern Time will be credited to your loan account on the same business day that the payment is made. Payments made after 5:00 P.M. Eastern Time will be credited on the next business day. In the case of a payment made after 5:00 P.M on Friday, the payment will be credited on the following Monday.

Q: Who should I contact if I have questions about the payment service?

A: You may contact 1st National Bank of Scotia directly at (518) 370-7220 during our normal business hours (9:00 am - 5:00 pm Monday through Thursday; 9:00 am - 6:00 pm Friday; and 9:00 am - 1:00 pm Saturday) and someone will be happy to assist you.