Common use of No Duty to Monitor Payments Clause in Contracts

No Duty to Monitor Payments. UCU is only responsible for exercising ordinary care in processing and sending payments upon YOUR authorization in accordance with this Agreement. UCU will not be liable in any way for damages YOU incur for any of the following reasons: • insufficient funds in YOUR Bill Payment Account to make the payment on the processing date; • delays in mail delivery; • changes to the payee's address or account number unless we've been advised of the change in advance; • the failure of any payee to correctly account for or credit the payment in a timely manner, or; • any other circumstances beyond the control of UCU. If the session during which YOU schedule a payment or transfer ends by 2:00 pm PST., UCU will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. UCU will attempt to notify YOU by e-mail or U.S. Postal Mail, but UCU shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR account to process a payment. In all cases, YOU are responsible for either contacting UCU to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST on the business day the transaction is scheduled to be initiated. If YOU ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCU, YOU will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOU.

No Duty to Monitor Payments. UCU Abacus is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU Abacus will not be liable in any way for damages YOU you incur for any of the following reasons: •  insufficient funds in YOUR Bill your Xxxx Payment Account to make the payment on the processing date; •  delays in mail delivery; •  changes to the payee's address or account number unless we've been advised of the change in advance; • advance  the failure of any payee to correctly account for or credit the payment in a timely manner, or; • or  any other circumstances beyond the control of UCUthe Bank. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.p.m., UCU the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the ServicesXxxx Payment Service, the time recorded by the Online Banking Xxxx Payment Service will be considered the official time of the transaction. If YOUR Bill your Xxxx Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Xxxx Payment Service will automatically block future Bill Xxxx Payment Service until the account has sufficient funds to make the payment. UCU The Bank will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU the Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU to either make alternate arrangements for the payment or reschedule the payment through the Xxxx Payment Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST on the business day the transaction is scheduled to be initiated. If YOU ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCU, YOU will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOU.

No Duty to Monitor Payments. UCU Abacus is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU Abacus will not be liable in any way for damages YOU you incur for any of the following reasons: •  insufficient funds in YOUR Bill your Xxxx Payment Account to make the payment on the processing date; •  delays in mail delivery; •  changes to the payee's address or account number unless we've been advised of the change in advance; • advance  failing to comply with any account requirements for more than one account signatory on transactions  the failure of any payee to correctly account for or credit the payment in a timely manner, or; • or  any other circumstances beyond the control of UCUthe Bank. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.p.m., UCU the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the ServicesXxxx Payment Service, the time recorded by the Online Banking Xxxx Payment Service will be considered the official time of the transaction. If YOUR Bill your Xxxx Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Xxxx Payment Service will automatically block future Bill Xxxx Payment Service until the account has sufficient funds to make the payment. UCU The Bank will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU the Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU to either make alternate arrangements for the payment or reschedule the payment through the Xxxx Payment Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST on the business day the transaction is scheduled to be initiated. If YOU ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCU, YOU will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOU.

No Duty to Monitor Payments. UCU Lake Trust is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU We will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient Insufficient funds in YOUR Bill Payment your Online Account to make the payment on the processing date; • delays Delays in mail delivery; • changes Changes to the payee's address or account number unless we've been advised of the change in advancenumber; • the The failure of any payee to correctly account for or credit the payment in a timely manner, or; or • any Any other circumstances beyond the control of UCULake Trust. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.4:00 p.m., UCU the Credit Union will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Bill Pay Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR Bill Payment your Online Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Payment Service will automatically block future Bill Payment Service until the your payment may be canceled and your account has sufficient funds to make the paymentmay be blocked. UCU Lake Trust will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU Lake Trust shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU the Bill Pay Service at 000-000-0000 to either make alternate arrangements for the payment or reschedule the payment through the Bill Pay Service. In Once the case of fixed payments, only the payment currently Bill Pay Service has been restored future scheduled payments will be impacted. Fixed payments scheduled for future dates will not be affectedmade as long as funds are available. Cancel or Change Payment Instructions. Payments must can be changed or canceled using the Service any time prior to 3:00 pm PST the cutoff time on the business day the transaction is scheduled to be initiatedprocessing date. If YOU you ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU you a stop payment feefee (see Fee Schedule). Stop payment orders whether oral, written, or electronic, will be in effect for a period For further information regarding stop payments please see the Terms and Conditions of six (6) months. If requested by UCU, YOU will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOUYour Account.

No Duty to Monitor Payments. UCU The Bank is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Bank will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient Insufficient funds in YOUR your Bill Payment Account to make the payment on the processing date; • delays Delays in mail delivery; • changes Changes to the payee's address or account number unless we've been advised of the change in advance; • the failure of any payee to correctly account for or credit the payment in a timely manner, or; • any Any other circumstances beyond the control of UCUthe Bank. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.3:00 p.m., UCU the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. UCU The Bank will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU the Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU the Service at 000-000-0000 to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Additional account NSF charges will apply. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST on the business day before the transaction is scheduled to be initiated. If YOU you ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU a stop payment feethere will be no charge. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCUthe Bank, YOU you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue to be in effect. UCU The Bank may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service service generates items to be charged to YOUR your account, YOU you agree that we may debit YOUR your Bill Payment account without requiring YOUR your signature on the item item, and without prior notice to YOUyou. Important payments: We advise that you do not use these Services for payment that, if not delivered on time, may cause substantial penalties or legal liability to you. Examples of these payments include: • Tax payments • Court-ordered payments • Payments to settle securities transactions The bank is not liable for any penalties or civil or criminal liability you incur if you make these payments through Bank Services. Check Copies. Copies are available from iPay Solutions for any checks they issue on your behalf. Copies of those checks will be provided at no cost.

No Duty to Monitor Payments. UCU Xxxxxx is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU Abacus will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient funds in YOUR your Bill Payment Account to make the payment on the processing date; • delays in mail delivery; • changes to the payee's address or account number unless we've been advised of the change in advance; advance • failing to comply with any account requirements for more than one account signatory on transactions • the failure of any payee to correctly account for or credit the payment in a timely manner, or; or • any other circumstances beyond the control of UCUthe Bank. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.p.m., UCU the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the ServicesBill Payment Service, the time recorded by the Online Banking Bill Payment Service will be considered the official time of the transaction. If YOUR your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. UCU The Bank will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU the Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU to either make alternate arrangements for the payment or reschedule the payment through the Bill Payment Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST on the business day the transaction is scheduled to be initiated. If YOU ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCU, YOU will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOU.

No Duty to Monitor Payments. UCU The Credit Union is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Credit Union will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient Insufficient available funds in YOUR your Bill Payment Account to make the payment on the processing date; • delays Delays in mail delivery; • changes Changes to the payee's address or account number unless we've been advised of the change in advanceadvance and we have a reasonable opportunity to effect these changes; • the The failure of any payee to correctly account for or credit the payment in a timely manner, or; or • any Any other circumstances beyond the control of UCUthe credit union. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.p.m., UCU Arizona time, the Credit Union will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR your Bill Payment Account does not have sufficient available funds to make a payment as of on the date the payment is debited to YOUR from your account, the Bill Payment Service will automatically block future Bill Payment Service may be suspended until the account has is brought current. The payment may draw your account negative and the appropriate non-sufficient funds fee will be assessed. The non-sufficient funds fees will be charged to make the paymentyour Bill Pay Account. UCU The Credit Union will attempt to notify YOU you by e-mail Notification or U.S. Postal Mail, but UCU the Credit Union shall have no obligation or liability if it does not complete a payment because there are insufficient available funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU using the Bill Payment Platform to either make alternate arrangements for the payment cancel or reschedule the payment through the Service. In the case of fixed change scheduled payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Instructions Payments must be canceled or changed or canceled using the Service Bill Payment Platform prior to 3:00 pm PST on the business day the transaction is scheduled to be initiatedprocessing. If YOU you ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU you a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCUthe credit union, YOU you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU The Credit Union may pay any item that is presented following the lapse of any stop payment order. No Signature Required. Required When any payment or other online Service generates items to be charged to YOUR your account, YOU you agree that we may debit YOUR your Bill Payment account Account without requiring YOUR your signature on the item and without prior notice to YOUyou.

No Duty to Monitor Payments. UCU The Bank is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Bank will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient funds in YOUR your Bill Payment Account to make the payment on the processing date; • delays in mail delivery; • changes to the payee's address or account number unless we've been advised of the change in advance; advance • the failure of any payee to correctly account for or credit the payment in a timely manner, or; or • any other circumstances beyond the control of UCUthe Bank. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.3:15 p.m., UCU the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. UCU The Bank will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU the Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU the Service at (000)000-0000 to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST 3:15 p.m. on the business day the transaction is scheduled to be initiated. If YOU you ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU you a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCUthe Bank, YOU you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU The Bank may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR your account, YOU you agree that we may debit YOUR your Bill Payment account without requiring YOUR your signature on the item and without prior notice to YOUyou.

No Duty to Monitor Payments. UCU The Bank is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Bank will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient funds in YOUR your Bill Payment Account to make the payment on the processing date; • delays in mail delivery; • changes to the payee's address or account number unless we've been advised of the change in advance; advance • the failure of any payee to correctly account for or credit the payment in a timely manner, or; or • any other circumstances beyond the control of UCUthe Bank. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.11:00 a.m. on any business day, UCU the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. UCU The Bank will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU the Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU the Service at 0-000-000-0000 to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST 11:00 a.m. on the business day the transaction is scheduled to be initiated. If YOU you ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU you a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCUthe Bank, YOU you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU The Bank may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR your account, YOU you agree that we may debit YOUR your Bill Payment account without requiring YOUR your signature on the item and without prior notice to YOUyou. Multiple Person Bill Payment Accounts. If more than one person has access to a Bill Payment account, each person may individually enroll in the Bill Pay service. Each enrolled person needs a unique password but may choose to use the same payee list. Each individual may terminate her/his enrollment in the Bill Payment service without affecting the Service for any other person enrolled in that Bill Payment account. However, any enrolled person may terminate the Bill Payment service that will terminate the service for all enrolled persons on that Bill Payment account.

No Duty to Monitor Payments. UCU Bank is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU will not be liable in any way for damages YOU incur for any of the following reasons: • insufficient funds in YOUR Bill Payment Account to make the payment on the processing date; • delays in mail delivery; • changes to the payee's address or account number unless we've been advised of the change in advance; • the failure of any payee to correctly account for or credit the payment in a timely manner, or; • any other circumstances beyond the control of UCUherewith. If the session during which YOU schedule a payment or transfer ends by 2:00 pm PST., UCU will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR your Bill Payment Pay Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Payment Pay Service will automatically block future Bill Payment Pay Service payments until the account has sufficient funds to make the payment. UCU Bank will attempt to notify YOU you by e-mail email or U.S. Postal Mail, but UCU Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU are responsible for either contacting UCU to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed All other scheduled or fixed payments scheduled for future dates will be cancelled until the Bill Pay Service is unblocked and in an active status.  Liability The Bank will not be affectedliable in any way for damages you incur for any of the following reasons: o insufficient funds in your Bill Payment Account to make the payment on the processing date; o delays in mail delivery; o changes to the payee's address or account number unless the Bank has been advised of the change in advance; o the failure of any payee to correctly account for or credit the payment in a timely manner, or o any other circumstances beyond the reasonable control of the Bank. Cancel By using the Bill Pay Service, you authorize Bank and its third-party service provider to follow the payment instructions that you provide to Bank via the Bill Pay Service and to make payment to the Payees that you designate. When any payment or Change other online Service generates items to be charged to your account, you agree that we may debit your Bill Payment Instructionsaccount without requiring your signature on the item, and without prior notice to you. If Bank does not complete a Bill Payment on time or in the correct amount (provided you have given Bank the correct necessary information, selected a timely Payment Date, scheduled or transmitted payment instructions at least five Business Days before the Payment Date, and had sufficient available funds in your Bill Payment Account), Bank will pay any late fee as long as your Bill Pay Account is in good standing with the merchant or other Payee. Bank will not be liable for any loss, injury or damage, whether direct, indirect, special, consequential, exemplary, economic, or otherwise, caused by the Bill Pay Service or the use of the Bill Pay Service except as otherwise expressly provided for in this Agreement or by Applicable Law. Without limiting the foregoing, Bank shall not be liable if you have not provided Bank with complete and correct payment information, including, without limitation, the name, address, account number and payment amount for the Payee on any Bill Payment instruction. Bank is not responsible for what happens to a payment once it is received by the Payee, including any applicable finance charges and late fees, the failure of any payee to correctly account for or credit the payment in a timely manner, or any other action taken by a Payee resulting from a Bill Payment that arrives late because payment instructions were not scheduled or transmitted timely, the Payment Date selected by you was not timely, or if you give any incorrect or incomplete Bill Payment Instruction(s) or addresses.  Cut-Off Times Payments entered on the Bill Pay System before the Bank-established processing cut-off time each day will be scheduled and begin processing on the same day. Bill Payments entered after the Bank-established processing cut-off time will be scheduled and processed the next day. Expedited payment options may be available in certain payment situations. To utilize this service, additional fees may apply, which will be disclosed within the Bill Pay Service prior to completing the transaction.  Cancelling or Changing Payments Payments must be changed or canceled using the Service Bill Pay prior to 3:00 pm PST 6:00 p.m. on the business day Business Day the transaction is scheduled to be initiated. If YOU you ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU you a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCUthe Bank, YOU you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU The Bank may pay any item that is presented following the lapse of any stop payment order. No Signature RequiredTypically stop payments on ACH bill payment items will not be allowed as Bank does prepay ACH payments to ensure a timely delivery. When Attempts to stop in- process or processed ACH Bill Payment items should be handled directly with the Payee.  E-Bills E-Bills is a feature of the Bill Pay Service that enables you to receive bills electronically from participating Payees. You understand and acknowledge that Payees establish their own criteria for reviewing a request to receive e-bills and have sole discretion to accept or decline your request. Bank takes no responsibility if a Payee does not provide the necessary data to forward an e-bill in a timely manner. If you do not receive a bill, it is your responsibility to contact the Payee directly. Bank is not responsible for any payment late charges or other online Service generates items adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOUPayee.

No Duty to Monitor Payments. UCU The Castle Rock Bank is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Bank will not be liable in any way for damages YOU you incur for any of the following reasons: •  insufficient funds in YOUR your Bill Payment Account to make the payment on the processing date; • date  delays in mail delivery; • delivery  changes to the payee's address or account number unless we've been advised of the change in advance; • advance  the failure of any payee to correctly account for or credit the payment in a timely manner, or; • manner  any other circumstances beyond the control of UCU. the Bank If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.p.m., UCU the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. UCU The Bank will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU the Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU to either make alternate arrangements for the payment or reschedule the payment through the Bill Payment Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST 2:00 p.m. on the business day the transaction is scheduled to be initiated. If YOU you ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU you a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) 6 months. If requested by UCUthe Bank, YOU you will confirm any stop payment order in writing. After six (6) 6 months, any stop payment will terminate and must be renewed in order to continue in effect. UCU The Bank may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR your account, YOU you agree that we may debit YOUR your Bill Payment account without requiring YOUR your signature on the item and without prior notice to YOUyou.

No Duty to Monitor Payments. UCU The Bank is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Bank will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient funds in YOUR your Bill Payment Account to make the payment on the processing date; • delays in mail delivery; • changes to the payee's address or account number unless we've been advised of the change in advance; • advance the failure of any payee to correctly account for or credit the payment in a timely manner, or; • or any other circumstances beyond the control of UCUthe Bank. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.p.m., UCU the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. UCU The Bank will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU the Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU the Service to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST 10:00 a.m. on the business day the transaction is scheduled to be initiated. If YOU you ask us to cancel cancel, a payment after it is issued and we agree to do so, we may charge YOU you a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCU, YOU will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOU.six

No Duty to Monitor Payments. UCU The Credit Union is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Credit Union will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient funds in YOUR Bill your Xxxx Payment Account to make cover the payment on the processing date; date;‌ • delays in mail delivery; • changes to the payee's address or account number unless we've been advised of the change in advance; • the failure of any payee to correctly account for or credit the payment in a timely mannermanner;‌ • user errors in entering the payee address, oraccount number or payment amount; or • any other circumstances beyond the control of UCUthe Credit Union. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.3:00 p.m. Central time, UCU the Credit Union will be considered to have received it on that day. Otherwise, it will be considered received on the following business dayBusiness Day. For all entries made using the Services, the time recorded by the Online Electronic Banking Service will be considered the official time of the transaction. If YOUR Bill your Xxxx Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR accountyour Xxxx Payment Account, the Bill Xxxx Payment Service will automatically block future Bill Xxxx Payment Service until the account Xxxx Payment Account has sufficient funds to make the payment. UCU The Credit Union will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU the Credit Union shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR account your Xxxx Payment Account to process a payment. In all cases, YOU you are responsible for either contacting UCU the Credit Union at 866-226-5225 to either make alternate arrangements for the payment or reschedule the payment through the Xxxx Payment Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST on the business day the transaction is scheduled to be initiated. If YOU ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCU, YOU will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOU.

No Duty to Monitor Payments. UCU The Credit Union is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Credit Union will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient Insufficient funds in YOUR Bill your Xxxx Payment Account to make the payment on the processing date; • delays Delays in mail delivery; • changes Changes to the payee's address or account number unless we've been advised of the change in advance; • the The failure of any payee to correctly account for or credit the payment in a timely manner, or; • any Errors you make in initiating a Xxxx Payment (e.g. incorrect account number, incorrect payee information, incorrect amount to transfer, etc.); or • Any other circumstances beyond the control of UCUthe Credit Union. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm p.m.PST./PDT, UCU the Credit Union will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the ServicesXxxx Payment, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR Bill your Xxxx Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR accountyour Xxxx Payment Account, the Bill Xxxx Payment Service will automatically block future Bill Xxxx Payment Service services until the account has sufficient funds to make the payment. UCU The Credit Union will attempt to notify YOU you by e-mail email or U.S. Postal Mail, but UCU the Credit Union shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR account your Xxxx Payment Account to process a payment. In all cases, YOU you are responsible for either contacting UCU the Credit Union at (000) 000-0000 to either make alternate arrangements for the payment or reschedule the payment through the ServiceXxxx Payment. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST on the business day the transaction is scheduled to be initiated. If YOU ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCU, YOU will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOU.

No Duty to Monitor Payments. UCU The Credit Union is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Credit Union will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient funds in YOUR your Bill Payment Account to make the payment on the processing date; • delays Delays in mail delivery; • changes Changes to the payee's address or account number unless we've we have been advised of the change Change in advance; • the The failure of any payee to correctly account for or credit the payment in a timely manner, or; or • any Any other circumstances beyond the control of UCUthe Credit Union. In the event that there are not sufficient funds in your account, scheduled payment will be issued/negotiated which may cause your account to overdraft, resulting in fees and outstanding balance(s) that will need to be paid. If the session during which YOU schedule a payment or transfer ends unpaid, collection efforts may be made by 2:00 pm PST., UCU will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time our third-party collector and/or FirstLight and could result in closure of the transactionaccount and negative credit reporting. If YOUR your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited Right to YOUR account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. UCU will attempt to notify YOU by e-mail or U.S. Postal Mail, but UCU shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR account to process a payment. In all cases, YOU are responsible for either contacting UCU to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment InstructionsInstructions If you have told us in advance to make regular payments out of your account you can stop any of these payments To do so you may call the Credit Union toll free at 0 (000) 000-0000, you may also send an email to xxxxxx@xxxxxxxxxxxxxx.xxx or write to us at: FirstLight Federal Credit Union P.O. Box 24901 El Paso, Texas 79914-9001. Payments We must be changed receive this notification within three (3) business days or canceled using more before the Service prior to 3:00 pm PST on the business day the transaction payment is scheduled to be initiatedmade. If YOU ask us to cancel a payment after it is issued and we agree to do soyou call, we may charge YOU a also require you to put your request in writing and get it to us within fourteen (14) days after you call or the oral stop order will cease to be binding. The stop payment feeorder will apply only to a particular payment however if the item is resubmitted by the payee we will continue to honor the stop payment order and may suspend future payments to the payee until you authorize us to resume payments. To terminate the entire pre-authorized payment arrangement with the payee, you must contact the payee. You can also notify us that the pre-authorized payment has been terminated (We will charge a fee for each stop payment order you give. This fee is disclosed in the Member's Service and Fee Schedule, Commercial Accounts and Fee Schedule, or Electronic Fund Transfers Agreement and Disclosure. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCUthe Credit Union, YOU you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU The Credit Union may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOU.

No Duty to Monitor Payments. UCU LAFCU is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU LAFCU will not be liable in any way for damages YOU you incur for any of the following reasons: • Through no fault of ours, insufficient funds in YOUR Bill Payment your Checking Account to make the payment on the processing datepayment; • delays Delays in mail delivery; • changes Changes to the payee's address or account number unless we've been advised of the change in advancenumber; • the The failure of any payee to correctly account for or credit the payment in a timely manner;, or; or • any Any other circumstances beyond the control of UCU. LAFCU If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.6:00 p.m., UCU Pacific Standard Time, LAFCU will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR Bill Payment your Checking Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Payment Service will automatically block future Bill Payment Service Services until the account has sufficient funds to make satisfy the paymentcollection item. UCU If your payment is made electronically, and if funds are not available in your account when an attempt is made to debit from your checking account, LAFCU will attempt to notify YOU you by e-mail or U.S. Postal Mail. If funds are not available you will be responsible for any Non-Sufficient Fund (NSF) charges to your account and potentially to your payee for its fees and/or damages. LAFCU will make three attempts to debit the funds and if unsuccessful LAFCU will begin the collection process, but UCU which could result in the termination of the Bill Payment Service. If the payment is issued by check, and if funds are not available in your account when an attempt is made to debit from your checking account, LAFCU will attempt to notify you by e-mail or U.S. Postal Mail. LAFCU will make up to two (2) attempts to debit the funds and if unsuccessful LAFCU may place a stop payment on the check or begin the collection process, which could result in the termination of the Bill Payment Service. LAFCU shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU Member Services at 877-MY LAFCU (695-2328) to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST on the business day the transaction is scheduled to be initiated. If YOU ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCU, YOU will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOUpayment.

No Duty to Monitor Payments. UCU The Bank is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Bank will not be liable in any way for damages YOU you incur for any of the following reasons: •  insufficient funds in YOUR your Bill Payment Account to make the payment on the processing date; •  delays in mail delivery; •  changes to the payee's address or account number unless we've been advised of the change in advance; • advance  the failure of any payee to correctly account for or credit the payment in a timely manner, or; • or  any other circumstances beyond the control of UCUthe Bank. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.11:00 a.m. on any business day, UCU the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. UCU The Bank will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU the Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU the Service at 0-000-000-0000 to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST 11:00 a.m. on the business day the transaction is scheduled to be initiated. If YOU you ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU you a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCUthe Bank, YOU you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU The Bank may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR your account, YOU you agree that we may debit YOUR your Bill Payment account without requiring YOUR your signature on the item and without prior notice to YOUyou. Multiple Person Bill Payment Accounts. If more than one person has access to a Bill Payment account, each person may individually enroll in the Bill Pay service. Each enrolled person needs a unique password but may choose to use the same payee list. Each individual may terminate her/his enrollment in the Bill Payment service without affecting the Service for any other person enrolled in that Bill Payment account. However, any enrolled person may terminate the Bill Payment service that will terminate the service for all enrolled persons on that Bill Payment account.

No Duty to Monitor Payments. UCU The Credit Union is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Credit Union will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient funds in YOUR your Bill Payment Account to make cover the payment on the processing date; • delays in mail delivery; • changes to the payee's address or account number unless we've been advised of the change in advance; advance;‌ • the failure of any payee to correctly account for or credit the payment in a timely manner; • user errors in entering the payee address, oraccount number or payment amount; or • any other circumstances beyond the control of UCUthe Credit Union. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.3:00 p.m. Central time, UCU the Credit Union will be considered to have received it on that day. Otherwise, it will be considered received on the following business dayBusiness Day. For all entries made using the Services, the time recorded by the Online Electronic Banking Service will be considered the official time of the transaction. If YOUR your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR accountyour Bill Payment Account, the Bill Payment Service will automatically block future Bill Payment Service until the account Bill Payment Account has sufficient funds to make the payment. UCU The Credit Union will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU the Credit Union shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR account your Bill Payment Account to process a payment. In all cases, YOU you are responsible for either contacting UCU the Credit Union at 866-226-5225 to either make alternate arrangements for the payment or reschedule the payment through the Bill Payment Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST on the business day the transaction is scheduled to be initiated. If YOU ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCU, YOU will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOU.

No Duty to Monitor Payments. UCU The Bank is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Bank will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient o Insufficient funds in YOUR your Bill Payment Account to make the payment on the processing date; • delays o Delays in mail delivery; • changes o Changes to the payee's address or account number unless we've been advised of the change in advance; • the advance o The failure of any payee to correctly account for or credit the payment in a timely manner, or; • any or o Any other circumstances beyond the control of UCUthe Bank. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.5:00 p.m., UCU the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. UCU The Bill Payment Service will attempt to notify YOU by e-mail or U.S. Postal Mail, but UCU shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR account debit your Bill Payment Account up to process three (3) times for a payment. In all cases, YOU you are responsible for either contacting UCU the Service at 0-000-000-0000 to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Note: Your Bill Payment Account will be assessed an insufficient funds fee of $35.00 for each unsuccessful attempt for a payment by the Bill Payment Service. In addition, your account may be subject to an insufficient funds fee by the Bank. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST 5:00 p.m. on the business day the transaction is scheduled to be initiated. If YOU you ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU you a stop payment fee. Stop payment orders orders, whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCUthe Bank, YOU you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU The Bank may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR your account, YOU you agree that we may debit YOUR your Bill Payment account without requiring YOUR your signature on the item and without prior notice to YOUyou.

No Duty to Monitor Payments. UCU The Bank is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Bank will not be liable in any way for damages YOU you incur for any of the following reasons: •  insufficient funds in YOUR your Bill Payment Account to make the payment on the processing date; •  delays in mail delivery; •  changes to the payee's address or account number unless we've been advised of the change in advance; • advance  the failure of any payee to correctly account for or credit the payment in a timely manner, or; • or  any other circumstances beyond the control of UCUthe Bank. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.3:15 p.m., UCU the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. UCU The Bank will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU the Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU the Service at (000)000-0000 to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST 3:15 p.m. on the business day the transaction is scheduled to be initiated. If YOU you ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU you a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCUthe Bank, YOU you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU The Bank may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR your account, YOU you agree that we may debit YOUR your Bill Payment account without requiring YOUR your signature on the item and without prior notice to YOUyou.

No Duty to Monitor Payments. UCU The Credit Union is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Credit Union will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient Insufficient funds in YOUR Bill your Xxxx Payment Account to make the payment on the processing date; • delays Delays in mail delivery; • changes Changes to the payee's address or account number unless we've been advised of the change in advance; • the The failure of any payee to correctly account for or credit the payment in a timely manner, or; • any Errors you make in initiating a Xxxx Payment (e.g. incorrect account number, incorrect payee information, incorrect amount to transfer, etc.); or • Any other circumstances beyond the control of UCUthe Credit Union. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm p.m. PST./PDT, UCU the Credit Union will be considered to have received it on that day. Otherwise, it will be considered received on the following business dayBusiness Day. For all entries made using the ServicesXxxx Payment, the time recorded by the Business Online Banking Service will be considered the official time of the transaction. If YOUR Bill your Xxxx Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR accountyour Xxxx Payment Account, the Bill Xxxx Payment Service will automatically block future Bill Xxxx Payment Service services until the account has sufficient funds to make the payment. UCU The Credit Union will attempt to notify YOU you by e-mail email or U.S. Postal Mail, but UCU the Credit Union shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU the Credit Union at (000) 000-0000 to either make alternate arrangements for the payment or reschedule the payment through the ServiceXxxx Payment. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST on the business day the transaction is scheduled to be initiated. If YOU ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCU, YOU will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOU.

No Duty to Monitor Payments. UCU The Bank is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU The Bank will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient o Insufficient funds in YOUR Bill your Xxxx Payment Account to make the payment on the processing date; • delays o Delays in mail delivery; • changes o Changes to the payee's address or account number unless we've been advised of the change in advance; • the advance o The failure of any payee to correctly account for or credit the payment in a timely manner, or; • any or o Any other circumstances beyond the control of UCUthe Bank. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.5:00 p.m., UCU the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR Bill your Xxxx Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR your account, the Bill Xxxx Payment Service will automatically block future Bill Xxxx Payment Service until the account has sufficient funds to make the payment. UCU The Xxxx Payment Service will attempt to notify YOU by e-mail or U.S. Postal Mail, but UCU shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR account debit your Xxxx Payment Account up to process three (3) times for a payment. In all cases, YOU you are responsible for either contacting UCU the Service at 0-000-000-0000 to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Note: Your Xxxx Payment Account will be assessed an insufficient funds fee of $35.00 for each unsuccessful attempt for a payment by the Xxxx Payment Service. In addition, your account may be subject to an insufficient funds fee by the Bank. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST 5:00 p.m. on the business day the transaction is scheduled to be initiated. If YOU you ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU you a stop payment fee. Stop payment orders orders, whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCUthe Bank, YOU you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU The Bank may pay any item that is presented following the lapse of any stop payment order. No Signature Required. When any payment or other online Service generates items to be charged to YOUR your account, YOU you agree that we may debit YOUR Bill your Xxxx Payment account without requiring YOUR your signature on the item and without prior notice to YOUyou.

No Duty to Monitor Payments. UCU Bank is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreementherewith. UCU If your Bill Pay Account does not have sufficient funds to make a payment as of the date the payment is debited to your account, the Bill Pay Service will automatically block future Bill Pay Service payments until the account has sufficient funds to make the payment. Bank will attempt to notify you by email or U.S. Postal Mail, but Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in your account to process a payment. In the case of fixed payments, the payment currently scheduled will be impacted. All other scheduled or fixed payments will be cancelled until the Bill Pay Service is unblocked and in an active status. • Liability The Bank will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient funds in YOUR your Bill Payment Account to make the payment on the processing date; • delays in mail delivery; • changes to the payee's address or account number unless we've the Bank has been advised of the change in advance; • the failure of any payee to correctly account for or credit the payment in a timely manner, or; or • any other circumstances beyond the reasonable control of UCUthe Bank. If By using the session during which YOU schedule a Bill Pay Service, you authorize Bank and its third-party service provider to follow the payment instructions that you provide to Bank via the Bill Pay Service and to make payment to the Payees that you designate. When any payment or transfer ends by 2:00 pm PST.other online Service generates items to be charged to your account, UCU you agree that we may debit your Bill Payment account without requiring your signature on the item, and without prior notice to you. • Cut-Off Times Payments entered on the Bill Pay System before the Bank-established processing cut-off time each day will be considered to have received it scheduled and begin processing on that the same day. Otherwise, it Bill Payments entered after the Bank-established processing cut-off time will be considered received on scheduled and processed the following business next day. For all entries made using the ServicesExpedited payment options may be available in certain payment situations. To utilize this service, the time recorded by the Online Banking Service additional fees may apply, which will be considered disclosed within the official time of Bill Pay Service prior to completing the transaction. If YOUR Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. UCU will attempt to notify YOU by e-mail • Cancelling or U.S. Postal Mail, but UCU shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR account to process a payment. In all cases, YOU are responsible for either contacting UCU to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected. Cancel or Change Payment Instructions. Changing Payments Payments must be changed or canceled using the Service prior to 3:00 pm PST on the business day Bill Pay service putting the transaction is scheduled to be initiatedpayment into a “processing” status. If YOU you ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU you a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by UCUthe Bank, YOU you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU The Bank may pay any item that is presented following the lapse of any stop payment order. No Signature RequiredTypically stop payments on ACH bill payment items will not be allowed as Bank does prepay ACH payments to ensure a timely delivery. When Attempts to stop in- process or processed ACH Bill Payment items should be handled directly with the Payee. • E-Bills E-Bills is a feature of the Bill Pay Service that enables you to receive bills electronically from participating Payees. You understand and acknowledge that Payees establish their own criteria for reviewing a request to receive e-bills and have sole discretion to accept or decline your request. Bank takes no responsibility if a Payee does not provide the necessary data to forward an e-bill in a timely manner. If you do not receive a bill, it is your responsibility to contact the Payee directly. Bank is not responsible for any payment late charges or other online Service generates items adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to be charged to YOUR account, YOU agree that we may debit YOUR Bill Payment account without requiring YOUR signature on the item and without prior notice to YOUPayee.

No Duty to Monitor Payments. UCU Lake Trust is only responsible for exercising ordinary care in processing and sending payments upon YOUR your authorization in accordance with this Agreement. UCU We will not be liable in any way for damages YOU you incur for any of the following reasons: • insufficient Insufficient funds in YOUR your Bill Payment Account to make the payment on the processing date; • delays Delays in mail delivery; • changes Changes to the payee's address or account number unless we've been advised of the change in advancenumber; • the The failure of any payee to correctly account for or credit the payment in a timely manner, or; or • any Any other circumstances beyond the control of UCULake Trust. If the session during which YOU you schedule a payment or transfer ends by 2:00 pm PST.3:00 p.m., UCU the Credit Union will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the t he time recorded by the Online Banking Service will be considered the official time of the transaction. If YOUR your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to YOUR accountyour a ccount, the Bill Payment Service will automatically block future Bill Payment Service until three (3) days after the account has sufficient funds to make the payment. UCU The Credit Union will attempt to notify YOU you by e-mail or U.S. Postal Mail, but UCU the Credit Union shall have no obligation or liability if it does not complete a payment because there are insufficient funds in YOUR your account to process a payment. In all cases, YOU you are responsible for either contacting UCU the Service at 000-000-0000 to either make alternate arrangements for the payment or reschedule the payment through the Service. In Once the case of fixed payments, only the payment currently Bill Payment Service has been restored future scheduled payments will be impacted. Fixed payments scheduled for future dates will not be affectedmade as long as funds are available. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 3:00 pm PST on the business day the transaction is scheduled to be initiated. If YOU you ask us to cancel a payment after it is issued and we agree to do so, we may charge YOU you a stop payment feefee (See Fee Schedule). Stop payment orders whether oral, written, or electronic, will be in effect for a period For further information regarding stop payments please see the Terms and Conditions of six (6) months. If requested by UCU, YOU will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. UCU may pay any item that is presented following the lapse of any stop payment orderyour account. No Signature Required. When any payment or other online Service generates items to be charged to YOUR your account, YOU you agree that we may debit YOUR your Bill Payment account without requiring YOUR your signature on the item item, and without prior notice to YOUyou. Multiple Person Bill Payment Accounts. If more than one person has access to a Bill Payment account, each person may individually enroll in the Bill Pay service. Each enrolled person needs a unique password but may choose to use the same payee list. Each individual may terminate her/his enrollment in the Bill Payment service without affecting the Service for any other person enrolled in that Bill Payment account. However, any enrolled person may terminate the Bill Payment service that will terminate the service for all enrolled persons on that Bill Payment account.