Common use of Bill Payments Clause in Contracts

Bill Payments. a. I understand and agree that I must be 18 years of age (or age of majority depending on the state in which I reside) to set up or use Online Banking. Bill payments can be in any amount between $1 and $25,000. When I schedule a bill payment using Online Banking Services, I authorize you to withdraw the necessary funds from my Business Membership Savings Account, Business Regular Savings Account, Business Money Market Account, BayBusiness Basic Checking Account, BayBusiness Checking Account, or BayBusiness Plus Checking Account. I agree that I will instruct you to make a withdrawal only when a sufficient balance is or will be available in my designated Account or the funds are available through my Business Checking Account overdraft source(s). b. While it is anticipated that most transactions will be processed five (5) business days before my scheduled payment date, I understand that due to circumstances beyond your control, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a day or even a few days longer to post to my Account with the designated payee. For this reason, all the bill payment dates should be scheduled by me at least seven (7) business days before the actual due date (not the late date and/or the grace period). A bill payment scheduled to be made on a day that is not a business day will be made on the next business day. If I properly follow the procedures described herein, and you fail to send a payment according to the payment instructions received, you shall be responsible for returning the improperly transferred funds to my Account and for directing to the proper recipient any previously misdirected bill payments or transfers. In the event, including, but not limited to, scheduling a payment date which is not at least seven (7) business days before the due date, or on or past the due date stated on my bill, the risk of incurring and responsibility for paying any and all late charges or penalties shall be borne by me. c. I agree to enter my Account number and address as they appear on my payment stub or bill when adding payees to the Online Banking Service. d. For purposes of Online Banking, a business day is defined as Monday - Friday. e. I understand that any Authorized Signer on the Account can sign up for Online Banking. I hereby agree to indemnify, defend, and hold you harmless from acting upon the request of any Authorized Signer on the Account.

Bill Payments. a. I understand and agree that I must be 18 years of age You may make payments through Bill Payment Service (or age of majority depending on the state in which I reside“Bill Pay Service”) to set up any business, person or use Online Bankingprofessional ("Payee") that has an address which can verified. Bill Payments (“payments”) may be made only to Payees with a United States payment address. Bill Pay reserves the right to refuse to accept any bill payment transaction. Bill Payments for alimony, child support, taxes, government fees, or court ordered payments are not always accepted. You can make these payments, but Bill Pay Service do not guarantee that it will be accepted or posted in a timely fashion. You must do so at your own risk. a) Bill payments will be sent to the payee either electronically or by paper check mailed to the payee via the U.S. Postal Service. The choice of electronic or paper check is solely at the discretion of Bill Pay Service. Checks, electronic payments, and withdrawal orders of any kind can be drawn on your Account in any order. You should be aware that other transactions (such as ATM, telephone banking, on-line transfers or in- branch withdrawals) may affect the amount between $1 and $25,000. of funds available to make your payment. b) When I you schedule a bill payment using Online Banking Servicestransaction, I you authorize you Genesee Co-op to withdraw reduce the necessary funds from my Business Membership Savings Account, Business Regular Savings Account, Business Money Market Account, BayBusiness Basic Checking Account, BayBusiness Checking Account, or BayBusiness Plus Checking AccountAccount balance accordingly. I agree that I will instruct you If the available balance in the Account is not sufficient to make a withdrawal only when a sufficient balance is payments you have authorized, Genesee Co-op may either refuse to pay the item or will make the payment and thereby overdraw the account. In either event, you are responsible for any insufficient funds and overdraft charges that may be available imposed, as stated in my designated Account the Genesee Co-op’s fee and disclosure statements. Genesee Co-op reserves the right to refuse to honor payment requests that may reasonably appear to be fraudulent or the funds are available through my Business Checking Account overdraft source(s)erroneous. b. While it c) When a bill payment is anticipated that most transactions will scheduled, an estimated delivery date is given, based on the method of delivery being used to make the payment. However, payments should be processed scheduled at least five (5) business days before my scheduled the business day on which a bill payment date, I understand that is due to circumstances beyond ensure that Bill Pay Service has sufficient time to process and deliver the payment. Bill Pay Service or Genesee Co-op is not responsible for payment delivery delays caused by the U.S. Postal Service or for payment processing delays after the payee has received the payment. Any charges imposed as a result of your control, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a day or even a few days longer failure to post to my Account with the designated payee. For this reason, all the transmit bill payment dates should be scheduled by me transactions at least seven five (75) business days before the actual a payment is due date (are your responsibility. The Bill Pay Service or FNCU Genesee Co-op is not responsible for late charges, finance charges, interest, indirect, incidental, special or consequential damages related to the late date and/or the grace period)payment. d) Bill Pay Service may be used to authorize automatic recurring bill payments of repetitive bills. A bill payment scheduled You may schedule recurring payments to be made automatically initiated for a fixed amount on a weekly, biweekly, monthly, quarterly or annual basis. The day that on which the payment is not to be sent is referred to as the "Date/Recurrence." If the payment date/recurrence is scheduled for a non-business day day, it will be made processed on the next prior business day. If I properly follow the procedures described herein, and you fail to send a payment according to the payment instructions received, you shall be responsible for returning the improperly transferred funds to my Account and for directing to the proper recipient any previously misdirected bill payments or transfers. In the event, including, but not limited to, scheduling a payment date which is not at least seven (7) business days before the due date, or on or past the due date stated on my bill, the risk of incurring and responsibility for paying any and all late charges or penalties shall be borne by me. c. I agree to enter my Account number and address as they appear on my payment stub or bill when adding payees to the Online Banking Service. d. For purposes of Online Banking, a business day is defined as Monday - Friday. e. I understand that any Authorized Signer on the Account can sign up for Online Banking. I hereby agree to indemnify, defend, and hold you harmless from acting upon the request of any Authorized Signer on the Account.

Bill Payments. a. I understand Bill Pay is available for personal and agree that I business accounts. You must have a checking account to initiate bill payments. You may include all utility companies, merchants, financial institutions, insurance companies, individuals, etc. whom you wish to pay through ACCESSonline Bill Pay. You must include a complete mailing address, telephone number, and account number for each payee. We reserve the right to decline to make payments to certain persons and entities. Note: Payments may be made only to payees with a U.S. payment address. You may not make a payment of alimony, child support, taxes, or other governmental fees or court-directed payments through this service. You may choose to use Bill Pay and use your PC to electronically schedule payments with ACCESSonline's Bill Pay Service. Payments are posted against your balance available for withdrawal, as defined in the Bank's Funds Availability Policy, plus the available credit on your Overdraft Protection, if any, or other Line of Credit. A single bill payment transfer is a transfer made on a one-time basis. A bill pay transfer must be 18 years of age requested prior to 4:00 p.m. (or age of majority depending 2:45 p.m. for Overnight) Central Time to be posted on the state in which I reside) same business day. Extended cut-off times may be available. Same day bill payments cannot be cancelled after scheduled. Recurring payments are those made for the same amount and are made on a weekly, bimonthly, monthly basis, etc. Once started, recurring payments will be made automatically until you stop or cancel the service through ACCESSonline. A service fee may apply for this online banking feature if a transfer is being made to set up or use Online Bankingan outside financial institution. Bill payments can be in any amount between $1 and $25,000. When I schedule a bill payment using Online Banking Services, I authorize you to withdraw the necessary funds from my Business Membership Savings Account, Business Regular Savings Account, Business Money Market Account, BayBusiness Basic Checking Account, BayBusiness Checking Account, or BayBusiness Plus Checking Account. I agree that I will instruct you to make a withdrawal only when a sufficient balance is or will Funds must be available in my designated Account your account(s) on the payment date. If there are insufficient funds in the account to make the payment, we may either refuse to pay the bill payment or make such payment thereby overdrawing your account(s). In either occurrence, you are responsible for any non-sufficient funds (NSF) or overdraft charges imposed, as stated in our Schedule of Fees. If you wish to cancel payments, you may do so by completing the funds are cancellation process available through my Business Checking Account overdraft source(s). b. While in Bill Pay. The payments you have the ability to cancel or modify will be in the Pending Box on the main screen on your Payment Center. You will know that you still have the choice to cancel a payment as long as it is anticipated in the Pending Box. If a payment is in your Recent Payments Box, then that most transactions will payment has already hard posted and your option to cancel said payment has already expired. In that case the bank is not liable for that money being debited out of your checking account, and it is your responsibility to handle the disputed transaction. Payments must be processed five cancelled before 4:00 p.m. (52:34 p.m. for Overnight) business CT four (4) days before my prior to the scheduled payment date. You may schedule payments to be initiated on the current business day, I understand that due on a future date, or on the same date of each month, subject to circumstances beyond your controlthe restrictions in the Agreement. You can enter payment information through the Bill Pay Service twenty-four (24) hours a day, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a day or even a few days longer to post to my Account with the designated payee. For this reason, all the bill payment dates should be scheduled by me at least seven (7) days a week. Payments can be initiated only on business days before days; the actual due date (not the late date and/or the grace period). A bill payment scheduled option to be made schedule any payments on a day Pay Date that is considered a Federal Holiday or weekend will not a business day will be made on processed until the next business day. Funds will be deducted from your Account on the business day in which you select as your Pay Date from the Calendar in the Payment Center. This date is referred to in this Agreement as the "Payment Date." If I properly follow the procedures described hereinyou will be receiving a fee for any bill payment, and you fail to send will know ahead of time. For any same day payment made, a fee will apply. That is, if you are making a payment according the same day your bill is due, it must be done before 2:45 p.m. Central Time in order for it to be sent out on time. A fee will be charged to your account for the same day payment instructions and rush delivery. Bill Payments may be delayed based upon the transfer amount. For each payment submitted, a Scheduled Payment Confirmation will be received, you shall which will include a confirmation number. Payment statuses can be responsible for returning viewed under the improperly transferred funds Pending Payments Box, Recent Payments Box, or Bill History tab. The payment status will be shown as either pending, paid, or canceled. Up to my Account and for directing to the proper recipient any previously misdirected bill payments or transfers. In the event, including, but not limited to, scheduling a payment date which is not at least seven (7) business days before years of payment history can be viewed, and if inquiring about a ƐƉĞĐŝĨŝĐ ǀĞŶĚŽƌ͛cƐan beƉnĂarLJrowŵeĞd ŶƚƐ͕ by using the due dateconvenience of our ͞ƉĂƉŝĂĚLJŵĞdŶroƚpdƐow͟n. Here the details of the payment(s) will reside. If a bill payment request describes the beneficiary inconsistently by name, account number, or on or past the due date stated on my billaddress provided, the risk execution of incurring the request will occur on the basis of the account number, even if it identifies a person other than the named beneficiary. If a draft check payment is not received by a payee for any reason, with your authorization, the Bank will place a stop payment on the check and the Bank's normal stop payment fees will be assessed. In all instances, it is your responsibility for paying any and all late charges or penalties shall be borne by meto reschedule the bill payment. c. I agree to enter my Account number and address as they appear on my payment stub or bill when adding payees to the Online Banking Service1. THERE ARE NOT SUFFICIENT AVAILABLE FUNDS IN YOUR ACCOUNT(S) TO MAKE THE BILL PAYMENTS OR TRANSFERS; 2. THE ESTIMATED TIME OF DELIVERY TO THE PAYEE IS INACCURATE; 3. THERE ARE DELAYS IN MAIL DELIVERY; 4. THERE ARE PAYEE CHANGES OF ADDRESS OR ACCOUNT NUMBER; 5. THE PAYEE FAILS TO APPLY THE PAYMENT IN A TIMELY MANNER; 6. TO THE EXTENT NOT PROHIBITED BY REGULATION E, ANY OTHER CIRCUMSTANCE WHICH IS BEYOND OUR REASONABLE CONTROL OR ANY CIRCUMSTANCE IF ATTRIBUTABLE, IN WHOLE OR IN PART, TO YOU OR TO THIRD PARTIES. d. For purposes of Online Banking, a business day is defined as Monday - Friday. e. I understand that any Authorized Signer on the Account can sign up for Online Banking. I hereby agree to indemnify, defend, and hold you harmless from acting upon the request of any Authorized Signer on the Account.

Bill Payments. a. I understand Bill Pay is available for personal and agree that I business accounts. You must have a checking account to initiate bill payments. You may include all utility companies, merchants, financial institutions, insurance companies, individuals, etc. whom you wish to pay through ACCESSonline Bill Pay. You must include a complete mailing address, telephone number, and account number for each payee. We reserve the right to decline to make payments to certain persons and entities. Note: Payments may be made only to payees with a U.S. payment address. You may not make a payment of alimony, child support, taxes, or other governmental fees or court-directed payments through this service. You may choose to use Bill Pay and use your PC to electronically schedule payments with ACCESSonline's Bill Pay Service. Payments are posted against your balance available for withdrawal, as defined in the Bank's Funds Availability Policy, plus the available credit on your Overdraft Protection, if any, or other Line of Credit. A single bill payment transfer is a transfer made on a one-time basis. A bill pay transfer must be 18 years of age requested prior to 4:00 p.m. (or age of majority depending 2:45 p.m. for Overnight) Central Time to be posted on the state in which I reside) same business day. Extended cut-off times may be available. Same day bill payments cannot be cancelled after scheduled. Recurring payments are those made for the same amount and are made on a weekly, bimonthly, monthly basis, etc. Once started, recurring payments will be made automatically until you stop or cancel the service through ACCESSonline. A service fee may apply for this online banking feature if a transfer is being made to set up or use Online Bankingan outside financial institution. Bill payments can be in any amount between $1 and $25,000. When I schedule a bill payment using Online Banking Services, I authorize you to withdraw the necessary funds from my Business Membership Savings Account, Business Regular Savings Account, Business Money Market Account, BayBusiness Basic Checking Account, BayBusiness Checking Account, or BayBusiness Plus Checking Account. I agree that I will instruct you to make a withdrawal only when a sufficient balance is or will Funds must be available in my designated Account your account(s) on the payment date. If there are insufficient funds in the account to make the payment, we may either refuse to pay the bill payment or make such payment thereby overdrawing your account(s). In either occurrence, you are responsible for any non-sufficient funds (NSF) or overdraft charges imposed, as stated in our Schedule of Fees. If you wish to cancel payments, you may do so by completing the funds are cancellation process available through my Business Checking Account overdraft source(s). b. While in Bill Pay. The payments you have the ability to cancel or modify will be in the Pending Box on the main screen on your Payment Center. You will know that you still have the choice to cancel a payment as long as it is anticipated in the Pending Box. If a payment is in your Recent Payments Box, then that most transactions will payment has already hard posted and your option to cancel said payment has already expired. In that case the bank is not liable for that money being debited out of your checking account, and it is your responsibility to handle the disputed transaction. Payments must be processed five cancelled before 4:00 p.m. (52:34 p.m. for Overnight) business CT four (4) days before my prior to the scheduled payment date. You may schedule payments to be initiated on the current business day, I understand that due on a future date, or on the same date of each month, subject to circumstances beyond your controlthe restrictions in the Agreement. You can enter payment information through the Bill Pay Service twenty-four (24) hours a day, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a day or even a few days longer to post to my Account with the designated payee. For this reason, all the bill payment dates should be scheduled by me at least seven (7) days a week. Payments can be initiated only on business days before days; the actual due date (not the late date and/or the grace period). A bill payment scheduled option to be made schedule any payments on a day Pay Date that is considered a Federal Holiday or weekend will not a business day will be made on processed until the next business day. Funds will be deducted from your Account on the business day in which you select as your Pay Date from the Calendar in the Payment Center. This date is referred to in this Agreement as the "Payment Date." If I properly follow the procedures described hereinyou will be receiving a fee for any bill payment, and you fail to send will know ahead of time. For any same day payment made, a fee will apply. That is, if you are making a payment according the same day your bill is due, it must be done before 2:45 p.m. Central Time in order for it to be sent out on time. A fee will be charged to your account for the same day payment instructions and rush delivery. Bill Payments may be delayed based upon the transfer amount. For each payment submitted, a Scheduled Payment Confirmation will be received, you shall which will include a confirmation number. Payment statuses can be responsible for returning viewed under the improperly transferred funds Pending Payments Box, Recent Payments Box, or Bill History tab. The payment status will be shown as either pending, paid, or canceled. Up to my Account and for directing to the proper recipient any previously misdirected bill payments or transfers. In the event, including, but not limited to, scheduling a payment date which is not at least seven (7) business days before years of payment history can be viewed, and if inquiring about a specific vendor’s payments, the due datesearch can be narrowed by using the convenience of our “paid payments” dropdown. Here the details of the payment(s) will reside. If a bill payment request describes the beneficiary inconsistently by name, account number, or on or past the due date stated on my billaddress provided, the risk execution of incurring the request will occur on the basis of the account number, even if it identifies a person other than the named beneficiary. If a draft check payment is not received by a payee for any reason, with your authorization, the Bank will place a stop payment on the check and the Bank's normal stop payment fees will be assessed. In all instances, it is your responsibility for paying any and all late charges or penalties shall be borne by meto reschedule the bill payment. c. I agree to enter my Account number and address as they appear on my payment stub or bill when adding payees to the Online Banking Service1. THERE ARE NOT SUFFICIENT AVAILABLE FUNDS IN YOUR ACCOUNT(S) TO MAKE THE BILL PAYMENTS OR TRANSFERS; 2. THE ESTIMATED TIME OF DELIVERY TO THE PAYEE IS INACCURATE; 3. THERE ARE DELAYS IN MAIL DELIVERY; 4. THERE ARE PAYEE CHANGES OF ADDRESS OR ACCOUNT NUMBER; 5. THE PAYEE FAILS TO APPLY THE PAYMENT IN A TIMELY MANNER; 6. TO THE EXTENT NOT PROHIBITED BY REGULATION E, ANY OTHER CIRCUMSTANCE WHICH IS BEYOND OUR REASONABLE CONTROL OR ANY CIRCUMSTANCE IF ATTRIBUTABLE, IN WHOLE OR IN PART, TO YOU OR TO THIRD PARTIES. d. For purposes of Online Banking, a business day is defined as Monday - Friday. e. I understand that any Authorized Signer on the Account can sign up for Online Banking. I hereby agree to indemnify, defend, and hold you harmless from acting upon the request of any Authorized Signer on the Account.

Bill Payments. a. I By using our bill payment services and by providing instruction to process payments to third parties, you authorize us to withdraw funds from your Account to pay the third-party bills/invoices. Payment transaction types can include one-time payments or recurring payments. Withdrawals will take place on the date the instructions are given or on specified dates provided by you for post-dated and/or recurring payments. If you give instruction through Online Banking and/or Telephone Banking, as and if applicable, by 10a.m. Eastern Time, the bill payment request will be processed on the same day. Instructions received after the cut-off time shall be processed on the next Business Day. As different bill payment companies have different payment requirements, it is your responsibility to know what your bill payment company’s requirements are and to make payments accordingly. You understand and agree that I must be 18 years of age (or age of majority depending the third-party billers may not acknowledge payments as being received on the state date(s) the instruction is given, therefore it is your responsibility to ensure your obligations will be paid on time. We will not be responsible, in which I reside) any way or under any circumstances, for any late payment penalties, fees, interest or charges imposed by your bill payment company or any other charges or losses you may be subject to set up in connection with the use of the Services. We make no warranties or representations of any kind whatsoever, whether express or implied, in connection with your ability to use Online Banking and/or Telephone Banking. Bill payments can be in any amount between $1 , as and $25,000. When I schedule a bill payment using Online Banking if applicable, and the Services, I authorize except as set out in this Agreement. It is your responsibility to ensure that the billing information (e.g. xxxxxx name and billing account number) you provide to withdraw us is accurate and up-to-date at all times and the necessary funds from my Business Membership Savings Account, Business Regular Savings Account, Business Money Market Account, BayBusiness Basic Checking Account, BayBusiness Checking Account, or BayBusiness Plus Checking Account. I agree that I will instruct you to make a withdrawal only when a sufficient balance is or will be available in my designated Account or the funds are available through my Business Checking Account overdraft source(s). b. While it is anticipated that most transactions will be processed five (5) business days before my scheduled payment date, I understand that due to circumstances beyond your control, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a day or even a few days longer to post to my Account with the designated payee. For this reason, all amount of the bill payment dates should be scheduled by me at least seven (7) business days before is correct. You consent to us exchanging billing information with your billers to ensure that your billing information is accurate and up-to-date. We have no obligation to seek updates to your billing information from any billers and we are not liable to you for any loss or claim that may arise as a result of us not having obtained or received your accurate and up-to-date billing information. We will not process payments if the actual due date (not the late date and/or the grace period). A bill payment scheduled to be made on a day that required transaction information is not complete, sufficient funds are not available, the billing account number is inaccurate, or there is a business day will be made on change in the next business daystatus of the third-party xxxxxx. If I properly follow the procedures described herein, and you fail to send a payment according to the payment instructions received, you shall be We are not responsible for returning any losses as a result of issues or disputes with a third-party xxxxxx. You agree to settle any dispute directly with the improperly transferred funds third party. We will not be accountable for delays or failures of any third party to my Account and act on your instruction or for directing to the proper recipient any previously misdirected bill payments or transfers. In the event, including, but not limited to, scheduling a payment date which is not at least seven (7) business days before the due date, or on or past the due date stated on my bill, the risk of incurring and responsibility for paying any and all late charges costs or penalties shall be borne by methat may result from a third-party xxxxxx’x failure or delay. c. I agree to enter my Account number and address as they appear on my payment stub or bill when adding payees to the Online Banking Service. d. For purposes of Online Banking, a business day is defined as Monday - Friday. e. I understand that any Authorized Signer on the Account can sign up for Online Banking. I hereby agree to indemnify, defend, and hold you harmless from acting upon the request of any Authorized Signer on the Account.

Bill Payments. a. I understand Once you enroll in the Bill Payment Service offered through Business Online, your Administrator or any authorized User(s) must establish each individual or business (a “Payee”) to whom/which payments (“Bill Paym ents”) may be made by setting up the nam e of the payee, the account number and agree that I must be 18 years of age (or age of majority depending payee’s remittance address as shown on the state billing statement. All Payees must have a payment address located in the United States (please refer to Service Rules for additional restrictions and inform ation). W e reserve the right to exclude any particular individual or business from receiving Bill Payments from time to time and will notify you by email via Business Online if we elect to exclude any Payee you have designated. Authorized Person(s) m ay initiate a Bill Paym ent to a Payee by indicating the dollar amount (U.S. Dollars only), the date the paym ent should be processed (a “Scheduled Date”) and the VNB account from which I residethe payments should be made. The Scheduled Date may be a current date, or on a future date (within one year) to or may be set up or use Online Banking. Bill payments can be in any amount between $1 and $25,000. When I schedule as a bill payment using Online Banking Services, I authorize you to withdraw the necessary funds from my Business Membership Savings Account, Business Regular Savings Account, Business Money Market Account, BayBusiness Basic Checking Account, BayBusiness Checking Account, or BayBusiness Plus Checking Account. I agree that I will instruct you to make a withdrawal only when a sufficient balance is or will be available in my designated Account or the funds are available through my Business Checking Account overdraft source(s). b. While it is anticipated that most transactions will be processed five (5) business days before my scheduled payment date, I understand that due to circumstances beyond your control, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a day or even a few days longer to post to my Account with the designated payee. For this reason, all the bill payment dates should be scheduled by me at least seven (7) business days before the actual due date (not the late date and/or the grace period). A bill payment scheduled recurring paym ent to be made on a day specified regular basis; provided, however that Bill Payments will be processed only on a Business Day and any Scheduled Date that is not on a business day Business Date, or after any cutoff time (as established in the Services Rules) on a Business Day, will be made processed on the next business following Business Day. Funds will be taken from your designated account on the Scheduled Date and you must have sufficient funds in your account on the Scheduled Date. If you do not have sufficient funds in your account on the Scheduled Date, we may, in our discretion, refuse to process your Bill Payment request or m ay process the Bill Paym ent request and assess any applicable overdraft or NSF fees to your account. As set forth in the Service Rules, there m ay be a maxim um dollar am ount for any individual Bill Paym ent as well as a maxim um aggregate amount of Bill Paym ents that may be processed on any one day. If I properly follow the procedures described herein, and W e will attempt to notify you fail via Business Online if any Bill Payment you submitted via Business Online cannot be com pleted. Bill Paym ents may be either electronically for Payees who are set up by our vendor to send a payment according receive electronic payments or by paper checks mailed to the payment instructions received, you shall Payee. Bill Paym ents which can be responsible for returning the improperly transferred funds to my Account and for directing delivered electronically are generally delivered to the proper recipient any previously misdirected bill payments or transfersPayee in three (3) Business Days of the Scheduled Date and paper checks are generally delivered to within six (6) Business Days of the Scheduled Date. In addition, posting time may depend on payee processing and, in the eventcase of paper checks, includingupon mail time. For exam ple, but not limited toBill Paym ents sent to certain payees, scheduling a payment date which is not at least seven (7) business days e.g. governm ent agencies, may take longer to be delivered and/or processed. You should allow sufficient time for us to receive and process your Bill Paym ents so that the funds can be delivered to the Payee on or before the due datedate for such payment, not taking into account any grace period provided by the Payee and you assum e all liability for late fees, finance charges and other actions taken by a Payee if payments are received late. In addition to the other lim itations contained in this Agreem ent, you agree that we will not be liable in any way for dam ages you incur (a) if you do not have sufficient funds in your designated account to make the Bill Paym ent on the Scheduled Date, (b) if the estimated of time to allow for delivery to the Payee is inaccurate, (c) if there are delays due to m ail delivery, changes of merchant address or account number, the failure of any merchant to account correctly for or credit the paym ent in a timely manner, or on for any other circum stances beyond our control. You may cancel a Bill Paym ent in accordance with the Service Rules, which generally require that the Bill Paym ent be cancelled before an established time the date BEFORE the Scheduled Date. Once the Bill Paym ent has entered the processing phase, you CANNOT cancel or past the due date stated on my billstop a bill paym ent. W e will not be held liable for failing or refusing to process and effect a stop payment. If we are able to accept and process your request to stop payment of a paper check used to make a Bill Paym ent, the risk of incurring and responsibility for paying any and all late charges or penalties shall you will be borne by mecharged a stop payment fee in effect at that time. c. I agree to enter my Account number and address as they appear on my payment stub or bill when adding payees to the Online Banking Service. d. For purposes of Online Banking, a business day is defined as Monday - Friday. e. I understand that any Authorized Signer on the Account can sign up for Online Banking. I hereby agree to indemnify, defend, and hold you harmless from acting upon the request of any Authorized Signer on the Account.

Bill Payments. a. I understand This section sets forth the terms and agree that I must be 18 years conditions under which the Bill Payment Service is offered. The Bill Pay Service allows a Sender to schedule payments online for current, future and recurring bills from your FNCU share draft account. These Terms of age Use affect your rights, you should read them carefully. You may make payments through Bill Payment Service (or age of majority depending on the state in which I reside“Bill Pay Service”) to set up any business, person or use Online Bankingprofessional ("Payee") that has an address which can verified. Bill Payments (“payments”) may be made only to Payees with a United States payment address. Bill Pay reserves the right to refuse to accept any bill payment transaction. Bill Payments for alimony, child support, taxes, government fees, or court ordered payments are not always accepted. You can make these payments, but Bill Pay Service do not guarantee that it will be accepted or posted in a timely fashion. You must do so at your own risk. a) Bill payments will be sent to the payee either electronically or by paper check mailed to the payee via the U.S. Postal Service. The choice of electronic or paper check is solely at the discretion of Bill Pay Service. Checks, electronic payments, and withdrawal orders of any kind can be drawn on your Account in any order. You should be aware that other transactions (such as ATM, telephone banking, on-line transfers or in- branch withdrawals) may affect the amount between $1 and $25,000. of funds available to make your payment. b) When I you schedule a bill payment using Online Banking Servicestransaction, I you authorize you FNCU to withdraw reduce the necessary funds from my Business Membership Savings Account, Business Regular Savings Account, Business Money Market Account, BayBusiness Basic Checking Account, BayBusiness Checking Account, or BayBusiness Plus Checking AccountAccount balance accordingly. I agree that I will instruct you If the available balance in the Account is not sufficient to make a withdrawal only when a sufficient balance is payments you have authorized, FNCU may either refuse to pay the item or will make the payment and thereby overdraw the account. In either event, you are responsible for any insufficient funds and overdraft charges that may be available imposed, as stated in my designated Account the FNCU’s fee and disclosure statements. FNCU reserves the right to refuse to honor payment requests that may reasonably appear to be fraudulent or the funds are available through my Business Checking Account overdraft source(s)erroneous. b. While it c) When a bill payment is anticipated that most transactions will scheduled, an estimated delivery date is given, based on the method of delivery being used to make the payment. However, payments should be processed scheduled at least five (5) business days before my scheduled the business day on which a bill payment date, I understand that is due to circumstances beyond ensure that Bill Pay Service has sufficient time to process and deliver the payment. Bill Pay Service or FNCU is not responsible for payment delivery delays caused by the U.S. Postal Service or for payment processing delays after the payee has received the payment. Any charges imposed as a result of your control, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a day or even a few days longer failure to post to my Account with the designated payee. For this reason, all the transmit bill payment dates should be scheduled by me transactions at least seven five (75) business days before the actual a payment is due date (are your responsibility. The Bill Pay Service or FNCU is not responsible for late charges, finance charges, interest, indirect, incidental, special or consequential damages related to the late date and/or the grace period)payment. d) Bill Pay Service may be used to authorize automatic recurring bill payments of repetitive bills. A bill payment scheduled You may schedule recurring payments to be made automatically initiated for a fixed amount on a weekly, biweekly, monthly, quarterly or annual basis. The day that on which the payment is not to be sent is referred to as the "Date/Recurrence." If the payment date/recurrence is scheduled for a non-business day day, it will be made processed on the next prior business day. If I properly follow the procedures described herein, and you fail to send a payment according to the payment instructions received, you shall be responsible for returning the improperly transferred funds to my Account and for directing to the proper recipient any previously misdirected bill payments or transfers. In the event, including, but not limited to, scheduling a payment date which is not at least seven (7) business days before the due date, or on or past the due date stated on my bill, the risk of incurring and responsibility for paying any and all late charges or penalties shall be borne by me. c. I agree to enter my Account number and address as they appear on my payment stub or bill when adding payees to the Online Banking Service. d. For purposes of Online Banking, a business day is defined as Monday - Friday. e. I understand that any Authorized Signer on the Account can sign up for Online Banking. I hereby agree to indemnify, defend, and hold you harmless from acting upon the request of any Authorized Signer on the Account.