Common use of MAKING / SCHEDULING PAYMENTS Clause in Contracts

MAKING / SCHEDULING PAYMENTS. You may use Bill Pay to authorize recurring payments or non-recurring payments. Recurring payments are payments that you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Recurring Payments may be scheduled for up to ten (10) years. Non-recurring Payments are a single, one-time Payment to a specified Payee. Non-recurring Payments may be scheduled to be initiated up to eighteen (18) months in advance. Payments are processed Monday through Friday at 2PM Eastern Time, except on Federal holidays. If you attempt to schedule a Payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment will be processed on the preceding business day if it is an auto recurring Payment. The Payment method may be electronic or by check. The first Payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Bill Pay service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment to that Merchant, the Bill Pay service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. Any Payments made with Bill Pay require sufficient time for your Payee to credit your Account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of the due date of your Payment. If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. You agree to have available collected funds on deposit in the Account you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to us. We reserve the right to disable access to Bill Pay if you fail to comply with this requirement or any other terms of this Agreement. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations.

MAKING / SCHEDULING PAYMENTS. You may use the Bill Pay Payment Service to authorize recurring payments or non-recurring non- payments. Recurring payments are payments that you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Recurring Payments may be scheduled for up to ten (10) years. Non-recurring Payments are a singlesimple, one-time Payment to a specified Payee. Non-recurring Payments may be scheduled to be initiated up to eighteen (18) months in advance. Payments are processed Monday through Friday at 2PM Eastern 1PM Central Time, except on Federal holidays. If you attempt to schedule a Payment payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment will be processed on the preceding business day if it is an auto recurring Payment. The Payment method may be electronic or by check. The first Payment payment to a Merchant must be scheduled selected at least five (5) business days prior to the due date for each Payment payment (recurring or variable) to allow adequate time for the Payment to reach the Payee. The due date is the date that the Merchant has designated for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Bill Pay service Service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment to that Merchant, the Bill Pay service Service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. Any Payments Payment made with Bill Pay require the bill Payment Service requires sufficient time for your Payee to credit your Account account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of the due date of your Paymentpayment. If you fail to schedule your Payment payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. You agree to have available collected funds on deposit in the Account you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to us. We reserve the right to disable access to Bill Pay the bill pay service if you fail to comply with this requirement or any other terms of this Agreementagreement. You further agree that we, at our optionopinion, may charge any of your accounts with us to cover such payment obligations.

MAKING / SCHEDULING PAYMENTS. You may use the Bill Pay Payment Service to authorize recurring payments or non-recurring payments. Recurring payments are payments that you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Recurring Payments may be scheduled for up to ten (10) years. Non-recurring Payments are a single, one-time Payment to a specified Payee. Non-recurring Payments may be scheduled to be initiated up to eighteen (18) months in advance. Payments are processed Monday through Friday at 2PM Eastern 1PM Central Time, except on Federal holidays. If you attempt to schedule a Payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment will be processed on the preceding business day if it is an auto recurring Payment. The Payment method may be electronic or by check. The first Payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Bill Pay service Service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment to that Merchant, the Bill Pay service Service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. Any Payments made with the Bill Pay Payment Service require sufficient time for your Payee to credit your Account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of the due date of your Payment. If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. You agree to have available collected funds on deposit in the Account you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to us. We reserve the right to disable access to Bill Pay the bill pay service if you fail to comply with this requirement or any other terms of this Agreement. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations.

MAKING / SCHEDULING PAYMENTS. You may use the Bill Pay Payment Service to authorize recurring payments or non-recurring (single) payments. Recurring payments are payments A non-recurring (single) payment will be processed on the Business Day (generally Monday through Friday, except certain holidays) that you schedule in advance to recur at substantially regular intervals in designate as the same amount Payment’s processing date, provided the Payment is submitted prior to the same Payeedaily cut-off time on that date. Recurring Payments The daily cut-off time is 3:00 p.m. ET, or as may otherwise be scheduled for up displayed from time to ten (10) yearstime on the Bill Payment Service’s site. NonA single Payment submitted after the cut-recurring Payments are a single, one-off time Payment to a specified Payee. Non-recurring Payments may on the designated processing date will typically be scheduled to be initiated up to eighteen (18) months in advance. Payments are processed Monday through Friday at 2PM Eastern Time, except on Federal holidaysthe next Business Day. If you attempt to schedule designate a Payment on a weekend or Federal holiday, you will be prompted to select a different non-Business Day (generally weekends and certain holidays) as the Payment’s processing date, or the Payment will be processed on the preceding business day if first Business Day following the designated processing date. When a recurring Payment is processed, it is an auto automatically rescheduled by the system. Based upon your selected frequency settings for the Payment, a processing date is calculated for the next occurrence of the Payment. If the calculated processing date is a non-Business Day (generally weekends and certain holidays), it is adjusted based upon the following rules: • If the recurring Payment’s “Pay Before” option is selected, the processing date for the new occurrence of the Payment is adjusted to the first Business Day prior to the calculated processing date. • If the recurring Payment’s “Pay After” option is selected, the processing date for the new occurrence of the Payment is adjusted to the first Business Day after the calculated processing date. We limit the amount of each individual Bill Payment Service transaction to $25,000 and this limit may be adjusted by us in our sole discretion. The Payment method may be electronic or by check. The first Payment to a Merchant Payments must be scheduled at least five (5) business days Business Days for check Payments and two (2) Business Days for electronic Payments prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee and to avoid incurring a possible finance charge or other charge from the Payee. The due date is the date the Merchant has designated for paymentPayment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once Due to factors beyond our control such as the Bill Pay service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making U.S. Mail and Payment processing at the first Payment to that Merchant, the Bill Pay service will display a message indicating it is not guaranteed that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. Any Payments made with Bill Pay require sufficient time for your Payee to credit your Account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of will post by the due date of your Paymentfifth Business Day (or second Business Day, if issued electronically). If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the any late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. You agree to have available collected funds Available Funds on deposit in the Account account that you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to with us. We reserve the right right, without liability, to disable access to Bill Pay reject or reverse a Payment if you fail to comply with this requirement or any other terms of this Agreement. If you do not have sufficient funds in your designated Account and we have not exercised our right to reverse or reject a Payment, you agree to pay for such Payment obligations on demand. You further agree that we, at our option, may charge and/or setoff any of your accounts Accounts with us to cover such payment Payment obligations, in accordance with the terms of this Agreement.

MAKING / SCHEDULING PAYMENTS. You may use the Bill Pay Payment Service to authorize recurring payments or non-recurring payments. Recurring payments are payments that you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Recurring Payments may be scheduled for up to ten (10) years. Non-recurring Payments are a single, one-time Payment to a specified Payee. Non-recurring Payments may be scheduled to be initiated up to eighteen (18) months in advance. We limit each individual Bill Payment transaction in the amount of $1,000.00. Payments are processed Monday through Friday at 2PM Eastern 1PM Central Time, except on Federal holidays. If you attempt to schedule a Payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment will be processed on the preceding business day if it is an auto recurring Payment. The Payment method may be electronic or by check. The first Payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Bill Pay service Service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment to that Merchant, the Bill Pay service Service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. Any Payments made with the Bill Pay Payment Service require sufficient time for your Payee to credit your Account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of the due date of your Payment. If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. You agree to have available collected funds on deposit in the Account you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to us. We reserve the right right, without liability, to disable access to Bill Pay reject or reverse a Payment if you fail to comply with this requirement or any other terms of this Agreement. If you do not have sufficient funds in your designated Account and we have not exercised our right to reverse or reject a Payment, you agree to pay for such payment obligations on demand. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations.

MAKING / SCHEDULING PAYMENTS. You may use Bill Pay the Xxxx Payment Service to authorize recurring payments or non-recurring payments. Recurring payments are payments that you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Recurring Payments may be scheduled for up to ten (10) years. Non-recurring Nonrecurring Payments are a single, one-time Payment to a specified Payee. Non-Non- recurring Payments may be scheduled to be initiated up to eighteen (18) months in advance. We limit the amount of each individual Xxxx Payment transaction to $10,000.00. Payments are processed Monday through Friday at 2PM Eastern IPM Central Time, except on Federal holidays. If you attempt to schedule a Payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment will be processed on the preceding business day if it is an auto recurring Payment. The Payment method may be electronic or by check. The first Payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Bill Pay service Service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment to that Merchant, the Bill Pay service Service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. Any Payments made with Bill Pay the Xxxx Payment Service require sufficient time for your Payee to credit your Account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of the due date of your Payment. If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. You agree to have available collected funds on deposit in the Account you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to us. We reserve the right right, without liability, to disable access to Bill Pay reject or reverse a Payment if you fail to comply with this requirement or any other terms of this Agreement. If you do not have sufficient funds in your designated Account and we have not exercised our right to reverse or reject a Payment, you agree to pay for such payment obligations on demand. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations.

MAKING / SCHEDULING PAYMENTS. You may use Bill Pay PayIt to authorize recurring payments or non-recurring payments. Recurring payments are payments that you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Recurring Payments payments may be scheduled for up to ten (10) years. Non-recurring Payments payments are a single, one-time Payment payment to a specified Payee. Non-recurring Payments payments may be scheduled to be initiated up to eighteen (18) months in advance. Payments are processed Monday through Friday at 2PM Eastern 1PM Central Time, except on Federal holidays. If you attempt to schedule a Payment payment on a weekend or Federal holidayHoliday, you will be prompted to select a different date, or the Payment payment will be processed on the preceding business day if it is an auto recurring Paymentpayment. The Payment payment method may be electronic or by check. The first Payment payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment payment (recurring or variable) to allow adequate time for the Payment payment to reach the Payee. The due date is the date the Merchant has designated for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Bill Pay service Service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment payment to that Merchant, the Bill Pay service Service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check check, sent by regular mail mail, is required. Any Payments payments made with Bill Pay PayIt require sufficient time for your Payee to credit your Account account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment payment sufficiently in advance of the due date of your Paymentpayment. If you fail to schedule your Payment payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment payment is made, fails to properly transmit the Payment payment to the intended Payee. You agree to have available collected funds on deposit in the Account account you designate in amounts sufficient to pay for all Payments payments requested, as well as any other payment obligations you have to us. We reserve the right to disable access to Bill Pay PayIt if you fail to comply with this requirement or any other terms of this Agreement. You further agree that we, at our option, may charge any of your accounts account with us to cover such payment obligations.

MAKING / SCHEDULING PAYMENTS. You may use Bill Pay to authorize Payments can be made for one-time-only or recurring payments or non-recurring payments. Recurring payments are payments that for as many times as you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Recurring Payments may be scheduled specify for up to ten (10) 10 years. Non-recurring Payments are a single, oneFirst-time Payment to a specified Payee. Non-recurring Payments may payments cannot be scheduled to be initiated up to eighteen (18) more than 18 months in advance. Payments are processed Monday through Friday at 2PM Eastern Time, except on Federal holidays. If you attempt to schedule a Payment payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment payment will be processed on the preceding business day if it is an auto recurring Paymentpayment. The Payment payment method may be electronic or by check. The first Payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment bill payment (recurring or variable) to allow adequate time for the Payment payment to reach the Payee. The due date is the date the Merchant has designated set for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Bill Pay service Service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment to that Merchant, the Bill Pay service Service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. Any Payments made with Bill Pay require sufficient time for your Payee to credit your Account account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of the due date of your Payment. If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be responsible for any charges imposed or any other action taken by a Payee resulting from a Payment that you have not scheduled properly, including any applicable finance charges or late fees. Paper checks are mailed to the address you supply. The Credit Union will not be responsible for processing incorrect information, which is supplied by you through Bill Pay, or for failure of the Payment to process due to incorrect information. In addition, we will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. We will also not be liable if there are insufficient funds or credit availability in your designated Payment Account or overdraft protection plan, if a legal order prohibits us from conducting withdrawals to the Payment Account, if there is a hold on the Account for uncollected funds or any other valid reason for hold, if the Payment Account is frozen or closed, or if any part of the electronic funds transfer system is not working properly. We will not be liable for indirect, special, or consequential damages due to the use of Bill Pay. You agree to have available and collected funds on deposit in the Account account you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to us. We reserve the right right, without liability, to disable access to Bill Pay reject or reverse a Payment if you fail to comply with this requirement or any other terms of this Agreement. If you do not have sufficient funds in your designated account and we have not exercised our right to reverse or reject a Payment, you agree to pay for such payment obligations on demand. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations. Any Payment can be changed or canceled, provided you access the Service prior to the cut-off time on the business day the Payment is going to be processed.

MAKING / SCHEDULING PAYMENTS. You may use the Caribe Bill Pay Pay-e Service to authorize recurring payments or non-recurring payments. Recurring payments are payments that you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Recurring Payments may be scheduled for up to ten (10) years. Non-recurring Payments are a single, one-time Payment to a specified Payee. Non-recurring Payments may be scheduled to be initiated up to eighteen (18) months in advance. Payments are processed Monday through Friday at 2PM Eastern 2:00 PM Puerto Rico Time, except on Federal holidays. If you attempt to schedule a Payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment will be processed on the preceding business day if it is an auto recurring Payment. The Payment method may be electronic or by check. The first Payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Bill Pay service Service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment to that Merchant, the Bill Pay service Service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. Any Payments made with the Caribe Bill Pay Pay-e Service require sufficient time for your Payee to credit your Account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of the due date of your Payment. If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. You agree to have available collected funds on deposit in the Account you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to us. We reserve the right to disable access to Bill Pay the bill pay service if you fail to comply with this requirement or any other terms of this Agreement. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations.

MAKING / SCHEDULING PAYMENTS. You may use the Bill Pay Payment Service to authorize recurring payments or non-recurring (single) payments. Recurring payments are payments A non-recurring (single) payment will be processed on the Business Day (generally Monday through Friday, except certain holidays) that you schedule in advance to recur at substantially regular intervals in designate as the same amount Payment’s processing date, provided the Payment is submitted prior to the same Payeedaily cut-off time on that date. Recurring Payments The daily cut-off time is 3:00 p.m. ET, or as may otherwise be scheduled for up displayed from time to ten (10) yearstime on the Bill Payment Service’s site. NonA single Payment submitted after the cut-recurring Payments are a single, one-off time Payment to a specified Payee. Non-recurring Payments may on the designated processing date will typically be scheduled to be initiated up to eighteen (18) months in advance. Payments are processed Monday through Friday at 2PM Eastern Time, except on Federal holidaysthe next Business Day. If you attempt to schedule designate a Payment on a weekend or Federal holiday, you will be prompted to select a different non- Business Day (generally weekends and certain holidays) as the Payment’s processing date, or the Payment will be processed on the preceding business day if first Business Day following the designated processing date. When a recurring Payment is processed, it is an auto automatically rescheduled by the system. Based upon your selected frequency settings for the Payment, a processing date is calculated for the next occurrence of the Payment. If the calculated processing date is a non-Business Day (generally weekends and certain holidays), it is adjusted based upon the following rules: • If the recurring Payment’s “Pay Before” option is selected, the processing date for the new occurrence of the Payment is adjusted to the first Business Day prior to the calculated processing date. • If the recurring Payment’s “Pay After” option is selected, the processing date for the new occurrence of the Payment is adjusted to the first Business Day after the calculated processing date. We limit the amount of each individual Bill Payment Service transaction to $25,000 and this limit may be adjusted by us in our sole discretion. The Payment method may be electronic or by check. The first Payment to a Merchant Payments must be scheduled at least five (5) business days Business Days for check Payments and two (2) Business Days for electronic Payments prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee and to avoid incurring a possible finance charge or other charge from the Payee. The due date is the date the Merchant has designated for paymentPayment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once Due to factors beyond our control such as the Bill Pay service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making U.S. Mail and Payment processing at the first Payment to that Merchant, the Bill Pay service will display a message indicating it is not guaranteed that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. Any Payments made with Bill Pay require sufficient time for your Payee to credit your Account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of will post by the due date of your Paymentfifth Business Day (or second Business Day, if issued electronically). If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the any late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. You agree to have available collected funds Available Funds on deposit in the Account account that you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to with us. We reserve the right right, without liability, to disable access to Bill Pay reject or reverse a Payment if you fail to comply with this requirement or any other terms of this Agreement. If you do not have sufficient funds in your designated Account and we have not exercised our right to reverse or reject a Payment, you agree to pay for such Payment obligations on demand. You further agree that we, at our option, may charge and/or setoff any of your accounts Accounts with us to cover such payment Payment obligations, in accordance with the terms of this Agreement.

MAKING / SCHEDULING PAYMENTS. You may use the Bill Pay Payment Service to authorize recurring payments or non-recurring payments. Recurring payments are payments that you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Recurring Payments may be scheduled for up to ten (10) years. Non-recurring Payments are a single, one-time Payment to a specified Payee. Non-Non- recurring Payments may be scheduled to be initiated up to eighteen (18) months in advance. Payments are processed Monday through Friday at 2PM Eastern 1PM Central Time, except on Federal holidays. If you attempt to schedule a Payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment will be processed on the preceding business day if it is an auto recurring Payment. The Payment method may be electronic or by check. The first Payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Bill Pay service Service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment to that Merchant, the Bill Pay service Service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. Any Payments made with the Bill Pay Payment Service require sufficient time for your Payee to credit your Account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of the due date of your Payment. If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. You agree to have available collected funds on deposit in the Account you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to us. We reserve the right right, without liability, to disable access to Bill Pay reject or reverse a Payment if you fail to comply with this requirement or any other terms of this Agreement. If you do not have sufficient funds in your designated Account and we have not exercised our right to reverse or reject a Payment, you agree to pay for such payment obligations on demand. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations.

MAKING / SCHEDULING PAYMENTS. You may use the Bill Pay Payment Service to authorize recurring payments or non-non- recurring payments. Recurring payments are payments that you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Recurring Payments may be scheduled for up to ten (10) years. Non-recurring Payments are a single, one-time Payment to a specified Payee. Non-recurring Payments may be scheduled to be initiated up to eighteen (18) months in advance. We limit the amount of each individual Bill Payment transaction to $10,000.00. Payments are processed Monday through Friday at 2PM Eastern 1PM Central Time, except on Federal holidays. If you attempt to schedule a Payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment will be processed on the preceding business day if it is an auto recurring Payment. The Payment method may be electronic or by check. The first Payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Bill Pay service Service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment to that Merchant, the Bill Pay service Service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. Any Payments made with the Bill Pay Payment Service require sufficient time for your Payee to credit your Account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of the due date of your Payment. If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. You agree to have available collected funds on deposit in the Account you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to us. We reserve the right right, without liability, to disable access to Bill Pay reject or reverse a Payment if you fail to comply with this requirement or any other terms of this Agreement. If you do not have sufficient funds in your designated Account and we have not exercised our right to reverse or reject a Payment, you agree to pay for such payment obligations on demand. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations.

MAKING / SCHEDULING PAYMENTS. You may use the Caribe Bill Pay Pay-e Service to authorize recurring payments or non-non- recurring payments. Recurring payments are payments that you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Recurring Payments may be scheduled for up to ten (10) years. Non-recurring Payments are a single, one-time Payment to a specified Payee. Non-Non- recurring Payments may be scheduled to be initiated up to eighteen (18) months in advance. Payments are processed Monday through Friday at 2PM Eastern 2:00 PM Puerto Rico Time, except on Federal holidays. If you attempt to schedule a Payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment will be processed on the preceding business day if it is an auto recurring Payment. The Payment method may be electronic or by check. The first Payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Bill Pay service Service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment to that Merchant, the Bill Pay service Service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. Any Payments made with the Caribe Bill Pay Pay-e Service require sufficient time for your Payee to credit your Account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of the due date of your Payment. If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. You agree to have available collected funds on deposit in the Account you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to us. We reserve the right to disable access to Bill Pay the bill pay service if you fail to comply with this requirement or any other terms of this Agreement. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations.

MAKING / SCHEDULING PAYMENTS. You may use the Online Bill Pay Payment Service to authorize recurring payments or non-recurring payments. Recurring payments are payments that you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Recurring Payments may be scheduled for up to ten (10) years. Non-recurring Payments are a single, one-time Payment to a specified Payee. Non-recurring Payments may be scheduled to be initiated up to eighteen (18) months in advance. Payments are limited to $10,000 per merchant, per day. Payments are processed Monday through Friday at 2PM Eastern 1PM Central Time, except on Federal holidays. If you attempt to schedule a Payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment will be processed on the preceding business day if it is an auto recurring Payment. The Payment method may be electronic or by check. The first Payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Bill Pay service Service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment to that Merchant, the Bill Pay service Service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. Any Payments made with the Online Bill Pay Payment Service require sufficient time for your Payee to credit your Account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of the due date of your Payment. If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. You agree to have available collected funds on deposit in the Account you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to us. We reserve the right to disable access to Bill Pay the online bill pay service if you fail to comply with this requirement or any other terms of this Agreement. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations.