Common use of BILL DELIVERY AND PRESENTMENT Clause in Contracts

BILL DELIVERY AND PRESENTMENT. This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees directly if you do not receive your statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following: Information provided to the Payee - The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Payee. Any changes will need to be made by contacting the Payee directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Payee sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. The Service may, at the request of the Payee, provide to the Payee your e-mail address, service address, or other data specifically requested by the Payee at the time of activating the electronic bill for that Payee, for purposes of the Payee informing you about Service and/or bill information. Activation - Upon activation of the electronic bill feature the Service may notify the Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a Payee shall be deemed by us to be your authorization for us to obtain bill data from the Payee on your behalf. For some Payees, you will be asked to provide us with your user name and password for that Payee. By providing us with such information, you authorize us to use the information to obtain your bill data. Cancellation of electronic bill notification - The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. The Service will notify your electronic Payee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) - The Service will use its best efforts to present all of your electronic bills promptly. It is your sole responsibility to periodically login to the Service and check on the delivery of new electronic bills. You agree to hold the Service harmless should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly. Accuracy and dispute of electronic bill - The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly. This Agreement does not alter your liability or obligations that currently exist between you and your Payees. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The Mobile Bill Pay Service allows you to use a mobile device such as a cell phone, PDA, or any other wireless device to direct payments to payees that you wish to pay. Payees must be set up using your online banking account before you are able to make a payment using the Mobile Bill Pay Service. Your wireless carrier may charge you a fee for accessing the Mobile Bill Pay Service. Please contact your carrier to get specific details concerning your wireless data plan and fees. You agree that payments made using the Mobile Bill Pay Service are the same as those made using online bill pay, paper checks, or transfers, and are bound by the same rules, regulations, Colorado State law, and Federal law. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling the number for the division of HTLF Bank shown above in Section 7, “Contacting Us,” in the Online and Mobile Banking Agreement and Disclosure during Customer Service hours.

BILL DELIVERY AND PRESENTMENT. This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees directly if you do not receive your statements. In addition, if you elect to activate one of the Service's ’s electronic bill (e-bills) options, you also agree to the following: ▪ Information provided to the Payee - The Service is — We are unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Payee. Any changes will need to be made by contacting the Payee directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Payee sites. You also agree not to use someone else's ’s information to gain unauthorized access to another person's ’s bill. The Service may, at the request of the Payee, provide to the Payee your e-mail address, service address, or other data specifically requested by the Payee at the time of activating the electronic bill for that Payee, for purposes of the Payee informing you about Service and/or bill information. ▪ Activation - — Upon activation of the electronic bill feature the Service may notify the Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills. Authorization ▪ Notification — We will use our best efforts to obtain bill data - Your activation present all of your electronic bills promptly. We may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bill feature bills. The time for a notification may vary from Payee shall be deemed by us to be your authorization for us to obtain bill data from the Payee on your behalf. For some Payees, you will be asked to provide us with your user name and password for that Payee. By providing us with such information, you authorize us to use the information to obtain your bill dataYou are responsible for ensuring timely payment of all bills. ▪ Cancellation of electronic bill notification - — The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. The Service We will notify your electronic Payee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service We will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. ▪ Non-Delivery of electronic bill(s) - The Service will use its best efforts to present all of your electronic bills promptly. It is your sole responsibility to periodically login to the Service and check on the delivery of new electronic bills. — You agree to hold the Service us harmless should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly. ▪ Accuracy and dispute of electronic bill - The Service is — We are not responsible for the accuracy of your electronic bill(s). The Service is We are only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly. This Bill Pay Agreement does not alter your liability or obligations that currently exist between you and your Payees. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The Mobile Bill Pay Service allows you to use a mobile device such as a cell phone, PDA, or any other wireless device to direct payments to payees that you wish to pay. Payees must be set up using your online banking account before you are able to make a payment using the Mobile Bill Pay Service. Your wireless carrier may charge you a fee for accessing the Mobile Bill Pay Service. Please contact your carrier to get specific details concerning your wireless data plan and fees. You agree that payments made using the Mobile Bill Pay Service are the same as those made using online bill pay, paper checks, or transfers, and are bound by the same rules, regulations, Colorado State law, and Federal law. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling the number for the division of HTLF Bank shown above in Section 7, “Contacting Us,” in the Online and Mobile Banking Agreement and Disclosure during Customer Service hours.

BILL DELIVERY AND PRESENTMENT. This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees directly if you do not receive your statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following: Information provided to the Payee - The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Payee. Any changes will need to be made by contacting the Payee directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Payee sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. The Service may, at the request of the Payee, provide to the Payee your e-mail address, service address, or other data specifically requested by the Payee at the time of activating the electronic bill for that Payee, for purposes of the Payee informing you about Service and/or bill information. Activation - Upon activation of the electronic bill feature the Service may notify the Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a Payee shall be deemed by us to be your authorization for us to obtain bill data from the Payee on your behalf. For some Payees, you will be asked to provide us with your user name and password for that Payee. By providing us with such information, you authorize us to use the information to obtain your bill data. Cancellation of electronic bill notification - The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. The Service will notify your electronic Payee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) - The Service will use its best efforts to present all of your electronic bills promptly. It is your sole responsibility to periodically login to the Service and check on the delivery of new electronic bills. You agree to hold the Service harmless should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly. Accuracy and dispute of electronic bill - The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly. This Agreement does not alter your liability or obligations that currently exist between you and your Payees. THE SERVICE AND RELATED DOCUMENTATION ARE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The Mobile Bill Pay Service allows you to use a mobile device such as a cell phone, PDA, or any other wireless device to direct payments to payees that you wish to pay. Payees must be set up using your online banking account before you are able to make a payment using the Mobile Bill Pay Service. Your wireless carrier may charge you a fee for accessing the Mobile Bill Pay Service. Please contact your carrier to get specific details concerning your wireless data plan and fees. You agree that payments made using the Mobile Bill Pay Service are the same as those made using online bill pay, paper checks, or transfers, and are bound by the same rules, regulations, Colorado State law, and Federal law. You agree not to give or make available your password or other means to access your account Payment Account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your accountPayment Account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account Payment Account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling the number for the division of HTLF Bank shown above in Section 7, “Contacting Us,” in the Online and Mobile Banking Agreement and Disclosure 0-000-XXXXXXX® (637-7455) during Customer Service hours.

BILL DELIVERY AND PRESENTMENT. This The Service includes a feature is for the presentment of that electronically presents you with electronic bills from select Payees. Electronic bills may not be available from all of your Payees. Electronic bills are provided as a convenience only and it is your sole responsibility to contact your Payees directly if you do not receive your statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following: Information provided to the Payee - The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Payee. Any changes will need to be made by contacting the Payee directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Payee sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. The Service may, at the request of the Payee, provide to the Payee your e-mail address, service address, or other data specifically requested by the Payee at the time of activating the electronic bill for that Payee, for purposes of the Payee informing you about Service and/or bill information. Activation - Upon activation of the electronic bill feature the Service may notify the Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a Payee shall be deemed by us to be your authorization for us to obtain bill data from the Payee on your behalf. For some Payees, you will be asked to provide us with your user name and password for that Payee. By providing us with such information, you authorize us to use the information to obtain your bill data. Cancellation of electronic bill notification - The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. The Service will notify your electronic Payee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) - The Service will use its best efforts to present all of your electronic bills promptly. It is your sole responsibility to periodically login to the Service and check on the delivery of new electronic bills. You agree to hold the Service harmless should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly. Accuracy and dispute of electronic bill - The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly. This Agreement does not alter your liability or obligations that currently exist between you and your Payees. By use of the Service, you acknowledge that Service-related communications, alerts, or notifications may be sent by us and received by you electronically, including, but not limited to, through email, mobile text messaging, or mobile push notifications, during any part of the day, including outside of normal business hours and between the hours of 9 p.m. and 8 a.m. local time. You agree that Xxxxxxx Xxxxx will not be liable for any damages or other liability related to the time of day any electronic communications, alerts, or notifications are sent or received. THE SERVICE AND RELATED DOCUMENTATION ARE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The Mobile Bill Pay Service allows you to use a mobile device such as a cell phone, PDA, or any other wireless device to direct payments to payees that you wish to pay. Payees must be set up using your online banking account before you are able to make a payment using the Mobile Bill Pay Service. Your wireless carrier may charge you a fee for accessing the Mobile Bill Pay Service. Please contact your carrier to get specific details concerning your wireless data plan and fees. You agree that payments made using the Mobile Bill Pay Service are the same as those made using online bill pay, paper checks, or transfers, and are bound by the same rules, regulations, Colorado State law, and Federal law. You agree not to give or make available your password or other means to access your account Payment Account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your accountPayment Account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account Payment Account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling the number for the division of HTLF Bank shown above in Section 7, “Contacting Us,” in the Online and Mobile Banking Agreement and Disclosure 0-000-XXXXXXX® (637-7455) during Customer Service hours.

BILL DELIVERY AND PRESENTMENT. This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees directly if you do not receive your statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following: Information provided to the Payee - The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Payee. Any changes will need to be made by contacting the Payee directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Payee sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. The Service may, at the request of the Payee, provide to the Payee your e-mail address, service address, or other data specifically requested by the Payee at the time of activating the electronic bill for that Payee, for purposes of the Payee informing you about Service and/or bill information. Activation - Upon activation of the electronic bill feature the Service may notify the Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a Payee shall be deemed by us to be your authorization for us to obtain bill data from the Payee on your behalf. For some Payees, you will be asked to provide us with your user name and password for that Payee. By providing us with such information, you authorize us to use the information to obtain your bill data. Cancellation of electronic bill notification - The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. The Service will notify your electronic Payee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) - The Service will use its best efforts to present all of your electronic bills promptly. It is your sole responsibility to periodically login to the Service and check on the delivery of new electronic bills. You agree to hold the Service harmless should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly. Accuracy and dispute of electronic bill - The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly. This Agreement does not alter your liability or obligations that currently exist between you and your Payees. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The Mobile Bill Pay Service allows you to use a mobile device such as a cell phone, PDA, or any other wireless device to direct payments to payees that you wish to pay. Payees must be set up using your online banking account before you are able to make a payment using the Mobile Bill Pay Service. Your wireless carrier may charge you a fee for accessing the Mobile Bill Pay Service. Please contact your carrier to get specific details concerning your wireless data plan and fees. You agree that payments made using the Mobile Bill Pay Service are the same as those made using online bill pay, paper checks, or transfers, and are bound by the same rules, regulations, Colorado State law, and Federal law. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling the number for the division of HTLF Bank shown above in Section 7, “Contacting Us,” in the Online and Mobile Banking Agreement and Disclosure during Customer Service hours.

BILL DELIVERY AND PRESENTMENT. This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees Billers directly if you do not receive your statements. In addition, if you elect to activate one of the Service's ’s electronic bill options, you also agree to the following: • Information provided to the Payee - Xxxxxx – The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic PayeeXxxxxx. Any changes will need to be made by contacting the Payee Xxxxxx directly. Additionally, Additionally it is your responsibility to maintain all usernames and passwords for all electronic Payee Xxxxxx sites. You also agree not to use someone else's ’s information to gain unauthorized access to another person's ’s bill. The Service may, at the request of the PayeeXxxxxx, provide to the Payee Xxxxxx your e-mail address, service address, or other data specifically requested by the Payee Xxxxxx at the time of activating the electronic bill for that PayeeXxxxxx, for purposes of the Payee Xxxxxx informing you about Service and/or bill information. • Activation - – Upon activation of the electronic bill feature the Service may notify the Payee Xxxxxx of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Payee Xxxxxx to Payee Xxxxxx and may take up to sixty (60) days, depending on the billing cycle of each PayeeXxxxxx. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the PayeeXxxxxx. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee Xxxxxx reserves the right to accept or deny your request to receive electronic bills. • Authorization to obtain bill data - – Your activation of the electronic bill feature for a Payee Xxxxxx shall be deemed by us to be your authorization for us to obtain bill data from the Payee Xxxxxx on your behalf. For some PayeesBillers, you will be asked to provide us with your user name and password for that PayeeXxxxxx. By providing us with such information, you authorize us to use the information to obtain your bill data. • Notification – The Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Xxxxxx to Xxxxxx. You are responsible for ensuring timely payment of all bills. • Cancellation of electronic bill notification - – The electronic Payee Xxxxxx reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee Xxxxxx to PayeeXxxxxx. It may take up to sixty (60) days, depending on the billing cycle of each PayeeXxxxxx. The Service will notify your electronic Payee(sXxxxxx(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. • Non-Delivery of electronic bill(s) - The Service will use its best efforts to present all of your electronic bills promptly. It is your sole responsibility to periodically login to the Service and check on the delivery of new electronic bills. – You agree to hold the Service harmless should the Payee Xxxxxx fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee Xxxxxx directly. • Accuracy and dispute of electronic bill - – The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the PayeeXxxxxx. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee Xxxxxx directly. This Agreement does not alter your liability or obligations that currently exist between you and your Payees. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The Mobile Bill Pay Service allows you to use a mobile device such as a cell phone, PDA, or any other wireless device to direct payments to payees that you wish to pay. Payees must be set up using your online banking account before you are able to make a payment using the Mobile Bill Pay Service. Your wireless carrier may charge you a fee for accessing the Mobile Bill Pay Service. Please contact your carrier to get specific details concerning your wireless data plan and fees. You agree that payments made using the Mobile Bill Pay Service are the same as those made using online bill pay, paper checks, or transfers, and are bound by the same rules, regulations, Colorado State law, and Federal law. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling the number for the division of HTLF Bank shown above in Section 7, “Contacting Us,” in the Online and Mobile Banking Agreement and Disclosure during Customer Service hoursBillers.

BILL DELIVERY AND PRESENTMENT. This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees Billers directly if you do not receive your statements. In addition, if you elect to activate one of the Service's ’s electronic bill options, you also agree to the following: Information provided to the Payee Xxxxxx - The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, email addresses with the electronic PayeeXxxxxx. Any changes will need to be made by contacting the Payee Xxxxxx directly. Additionally, Additionally it is your responsibility to maintain all usernames and passwords for all electronic Payee Xxxxxx sites. You also agree not to use someone else's ’s information to gain unauthorized access to another person's ’s bill. The Service may, at the request of the PayeeXxxxxx, provide to the Payee Xxxxxx your e-mail email address, service address, or other data specifically specifically requested by the Payee Xxxxxx at the time of activating the electronic bill for that PayeeXxxxxx, for purposes of the Payee Xxxxxx informing you about Service and/or bill information. Activation - Upon activation of the electronic bill feature feature, the Service may notify the Payee Xxxxxx of your request to receive electronic billing information. The presentment of your first first electronic bill may vary from Payee Xxxxxx to Payee Xxxxxx and may take up to sixty (60) days, depending on the billing cycle of each PayeeXxxxxx. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the PayeeXxxxxx. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee Xxxxxx reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a Payee Xxxxxx shall be deemed by us to be your authorization for us to obtain bill data from the Payee Xxxxxx on your behalf. For some PayeesBillers, you will be asked to provide us with your user name username and password for that PayeeXxxxxx. By providing us with such information, you authorize us to use the information to obtain your bill data. Cancellation of electronic bill notification - The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. The Service will notify your electronic Payee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) - The Service will use its best efforts to present all of your electronic bills promptly. It is your sole responsibility to periodically login to the Service and check on the delivery of new electronic bills. You agree to hold the Service harmless should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly. Accuracy and dispute of electronic bill - The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly. This Agreement does not alter your liability or obligations that currently exist between you and your Payees. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The Mobile Bill Pay Service allows you to use a mobile device such as a cell phone, PDA, or any other wireless device to direct payments to payees that you wish to pay. Payees must be set up using your online banking account before you are able to make a payment using the Mobile Bill Pay Service. Your wireless carrier may charge you a fee for accessing the Mobile Bill Pay Service. Please contact your carrier to get specific details concerning your wireless data plan and fees. You agree that payments made using the Mobile Bill Pay Service are the same as those made using online bill pay, paper checks, or transfers, and are bound by the same rules, regulations, Colorado State law, and Federal law. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling the number for the division of HTLF Bank shown above in Section 7, “Contacting Us,” in the Online and Mobile Banking Agreement and Disclosure during Customer Service hours.