Bill Payment Service a. Generally, the bill payment service allows you to schedule the payment of your bills from a checking account. You may pay merchants or individual payees within the United States through the Bill Payment Service. By furnishing us with the names of your payees and their addresses, you authorize us to follow the payment instructions you provide us via Online Banking. Payments may be made either electronically or by paper draft, depending upon the payee’s ability to receive electronic payments. When we receive a payment instruction from you, we will process that instruction on the day you specified in your instruction (“Payment Date”). Some payees have special processing requirements for receiving payments, and some may require that your payment be accompanied by a coupon or additional information concerning your accounts with such payee. It is your responsibility to determine each payee’s specific payment requirements. We will not be liable for any delay in processing or mis-posting by such payees where a payment fails to meet such requirements. Other financial institutions may impose their own fees and charges for transfers that you make through the Service, and you are responsible for any and all of such fees and charges. b. You must allow sufficient time for payment. Payments using Online Banking require sufficient time for delivery and for your payee to credit your account properly. To avoid incurring late fees or finance charges, you must schedule a payment sufficiently in advance of the date you want your payment to arrive: FOR ELECTRONIC PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST THREE (3) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. FOR PAPER DRAFT PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST FIVE (5) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. c. Canceling Payments. You have