Common use of No Duty to Monitor Payments Clause in Contracts

No Duty to Monitor Payments. Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance herewith. 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 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. 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 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. 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 Bill Pay prior to 6:00 p.m. 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 months. If requested by the Bank, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed in order to continue in effect. The Bank may pay any item that is presented following the lapse of any stop payment order. Typically stop payments on ACH bill payment items will not be allowed as Bank does prepay ACH payments to ensure a timely delivery. 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 late charges or other adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to the Payee.

No Duty to Monitor Payments. Bank The Credit Union is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance herewithwith this Agreement. 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 Credit Union will not be liable in any way for damages you incur for any of the following reasons: o insufficient • Insufficient available funds in your Bill Payment Account to make the payment on the processing date; o delays • Delays in mail delivery; o changes • Changes to the payee's address or account number unless the Bank has we've been advised of the change in advanceadvance and we have a reasonable opportunity to effect these changes; o the • The failure of any payee to correctly account for or credit the payment in a timely manner, ; or o any • Any other circumstances beyond the reasonable control of the Bankcredit union. By If the session during which you schedule a payment or transfer ends by 2:00 p.m., 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 Bill Pay Service, you authorize Bank and its third-party service provider to follow Payment Account does not have sufficient available funds on the date the payment instructions that you provide to Bank via is debited from your account, the Bill Pay Payment Service may be suspended until the account is brought current. The payment may draw your account negative and to make payment to the Payees that you designateappropriate non-sufficient funds fee will be assessed. When any payment or other online Service generates items to The non-sufficient funds fees will be charged to your accountBill Pay Account. The Credit Union will attempt to notify you by e-Notification or U.S. Postal Mail, you agree that we may debit your Bill Payment account without requiring your signature on but the item, and without prior notice to you. If Bank Credit Union shall have no obligation or liability if it 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 because there are insufficient available funds in your account to process a payment. In all cases, you are responsible for using the Bill Payment Account), Bank will pay any late fee as long as your Bill Pay Account is in good standing with the merchant Platform to cancel or other Payeechange scheduled payments. Bank will not be liable for any loss, injury Cancel 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 Change 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 Instructions Payments must be canceled or changed or canceled using the Bill Pay Payment Platform prior to 6:00 p.m. on the Business Day the transaction is scheduled to be initiatedprocessing. 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 the Bankcredit union, 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. The Bank Credit Union may pay any item that is presented following the lapse of any stop payment order. Typically stop payments on ACH bill No Signature Required When any payment or other online Service generates items will not to be allowed as Bank does prepay ACH payments charged to ensure a timely delivery. Attempts to stop in- process or processed ACH your account, you agree that we may debit your Bill Payment items should be handled directly with Account without requiring your signature on the Payee.  E-Bills E-Bills is a feature of the Bill Pay Service that enables you item and without prior notice 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 late charges or other adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to the Payeeyou.

No Duty to Monitor Payments. Bank Lake Trust is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance herewithwith this Agreement. We 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; • 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 Lake Trust. If the session during which you schedule a payment or transfer ends by 3:00 p.m., 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, t he time recorded by the Online Banking Service will be considered the official time of the transaction. If your Bill Pay Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to your accounta ccount, the Bill Pay Payment Service will automatically block future Bill Pay Payment Service payments until three (3) days after the account has sufficient funds to make the payment. Bank The Credit Union will attempt to notify you by email e-mail or U.S. Postal Mail, but Bank the Credit Union 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 the case of fixed payments, Service at 000-000-0000 to either make alternate arrangements for the payment currently or reschedule the payment through the Service. Once the Bill Payment Service has been restored future scheduled will be impacted. All other scheduled or fixed payments will be cancelled until made as long as funds are available. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Bill Pay Service is unblocked and in an active status.  Liability The Bank will not be liable 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 prior to the payee's address or account number unless business day the Bank has been advised 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 (See Fee Schedule). For further information regarding stop payments please see the Terms and Conditions 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 Bankyour account. 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 designateNo 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. Multiple Person Bill Payment Accounts. If Bank does not complete more than one person has access to a Bill Payment on time or account, each person may individually enroll 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 service. Each enrolled person needs a unique password but may choose to use the use of same payee list. Each individual may terminate her/his enrollment in the Bill Pay Payment service without affecting the Service except as otherwise expressly provided for any other person enrolled 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 that Bill Payment instructionaccount. Bank is not responsible for what happens to a payment once it is received by However, any enrolled person may terminate 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 service that arrives late because payment instructions were not scheduled or transmitted timely, will terminate the Payment Date selected by you was not timely, or if you give any incorrect or incomplete service for all enrolled persons on that 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 Bill Pay prior to 6:00 p.m. 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 months. If requested by the Bank, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed in order to continue in effect. The Bank may pay any item that is presented following the lapse of any stop payment order. Typically stop payments on ACH bill payment items will not be allowed as Bank does prepay ACH payments to ensure a timely delivery. 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 late charges or other adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to the Payeeaccount.

No Duty to Monitor Payments. The Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance herewithwith this Agreement. The Bank 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 the Bank. If the session during which you schedule a payment or transfer ends by 3:15 p.m., 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 Pay Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to your account, the Bill Pay Payment Service will automatically block future Bill Pay Payment Service payments until the account has sufficient funds to make the payment. The Bank will attempt to notify you by email e-mail or U.S. Postal Mail, but the 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 all cases, you are responsible for either contacting 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. All other Fixed payments scheduled or fixed payments will be cancelled until the Bill Pay Service is unblocked and in an active status.  Liability The Bank for future dates will not be liable in any way for damages you incur for any of the following reasons: o insufficient funds in your Bill affected. Cancel or Change 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 BankInstructions. 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 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. 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 Bill Pay the Service prior to 6:00 3:15 p.m. on the Business Day 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 the Bank, 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. The Bank may pay any item that is presented following the lapse of any stop payment order. Typically stop payments on ACH bill No Signature Required. When any payment or other online Service generates items will not to be allowed as Bank does prepay ACH payments charged to ensure a timely delivery. Attempts to stop in- process or processed ACH your account, you agree that we may debit your Bill Payment items should be handled directly with account without requiring your signature on the Payee.  E-Bills E-Bills is a feature of the Bill Pay Service that enables you item and without prior notice 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 late charges or other adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to the Payeeyou.

No Duty to Monitor Payments. The Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance herewithwith this Agreement. The Bank 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; • Any other circumstances beyond the control of the Bank. If the session during which you schedule a payment or transfer ends by 3:00 p.m., 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 Pay Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to your account, the Bill Pay Payment Service will automatically block future Bill Pay Payment Service payments until the account has sufficient funds to make the payment. The Bank will attempt to notify you by email e-mail or U.S. Postal Mail, but the 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 all cases, you are responsible for either contacting 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. All other Fixed payments scheduled or fixed payments will be cancelled until the Bill Pay Service is unblocked and in an active status.  Liability The Bank for future dates will not be liable in any way for damages you incur for any of the following reasons: o insufficient funds in your Bill affected. Additional account NSF charges will apply. Cancel or Change Payment Account to make the payment Instructions. Payments must be changed or canceled on the processing date; o delays business day before 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, there will be no charge. Stop payment orders whether oral, written, or electronic, will be in mail delivery; o changes effect for a period of six (6) months. If requested by the Bank, 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. The Bank may pay any item that is presented following the payee's address or account number unless the Bank has been advised of the change in advance; o the failure lapse of any payee to correctly account for or credit the stop payment in a timely manner, or o any other circumstances beyond the reasonable control of the Bankorder. 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 designateNo Signature Required. When any payment or other online Service 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. If Bank does Important payments: We advise that you do not complete a Bill Payment use these Services for payment that, if not delivered on time time, may cause substantial penalties 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 legal liability to you. Examples of these payments include: • Tax payments • Court-ordered payments • Payments to settle securities transactions The bank is in good standing with the merchant or other Payee. Bank will not be liable for any loss, injury penalties or damage, whether direct, indirect, special, consequential, exemplary, economic, civil 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 criminal liability you incur if you have not provided make these payments through Bank with complete and correct payment information, including, without limitation, the name, address, account number and payment amount Services. Check Copies. Copies are available from iPay Solutions for the Payee any checks they issue on any Bill Payment instructionyour behalf. 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 Copies 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 those checks 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 Bill Pay prior to 6:00 p.m. 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 months. If requested by the Bank, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed in order to continue in effect. The Bank may pay any item that is presented following the lapse of any stop payment order. Typically stop payments on ACH bill payment items will not be allowed as Bank does prepay ACH payments to ensure a timely delivery. 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 provided at 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 late charges or other adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to the Payeecost.

No Duty to Monitor Payments. The Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance herewithwith this Agreement. The Bank will not be liable 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 we've 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 control of the Bank. If the session during which you schedule a payment ends by 5:00 p.m., 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 Pay Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to your account, the Bill Pay Payment Service will automatically block future Bill Pay Payment Service payments until the account has sufficient funds to make the payment. Bank The Bill Payment Service 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 debit your account Bill Payment Account up to process three (3) times for a payment. In all cases, you are responsible for either contacting 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. All other Fixed payments scheduled or fixed payments will be cancelled until the Bill Pay Service is unblocked and in an active status.  Liability The Bank for future dates will not be liable in any way for damages you incur for any of the following reasonsaffected. Note: o insufficient funds in your 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 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 an insufficient funds fee by the Bank. 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 designateCancel or Change Payment Instructions. 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. 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 Bill Pay the Service prior to 6:00 5:00 p.m. on the Business Day 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 orders, whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by the Bank, 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. The Bank may pay any item that is presented following the lapse of any stop payment order. Typically stop payments on ACH bill No Signature Required. When any payment or other online Service generates items will not to be allowed as Bank does prepay ACH payments charged to ensure a timely delivery. Attempts to stop in- process or processed ACH your account, you agree that we may debit your Bill Payment items should be handled directly with account without requiring your signature on the Payee.  E-Bills E-Bills is a feature of the Bill Pay Service that enables you item and without prior notice 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 late charges or other adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to the Payeeyou.

No Duty to Monitor Payments. Bank The Credit Union is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance herewithwith this Agreement. The Credit Union 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 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;‌ • the failure of any payee to correctly account for or credit the payment in a timely manner; • user errors in entering the payee address, account number or payment amount; or • any other circumstances beyond the control of the Credit Union. If the session during which you schedule a payment or transfer ends by 3:00 p.m. Central 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 Electronic Banking Service will be considered the official time of the transaction. If your Bill Pay Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to your accountBill Payment Account, the Bill Pay Payment Service will automatically block future Bill Pay Payment Service payments until the account Bill Payment Account has sufficient funds to make the payment. Bank The Credit Union will attempt to notify you by email e-mail or U.S. Postal Mail, but Bank the Credit Union shall have no obligation or liability if it does not complete a payment because there are insufficient funds in your account Bill Payment Account to process a payment. In all cases, you are responsible for either contacting the Credit Union at 866-226-5225 to 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. All other Fixed payments scheduled or fixed payments will be cancelled until the Bill Pay Service is unblocked and in an active status.  Liability The Bank for future dates will not be liable 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. 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 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. 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 Bill Pay prior to 6:00 p.m. 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 months. If requested by the Bank, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed in order to continue in effect. The Bank may pay any item that is presented following the lapse of any stop payment order. Typically stop payments on ACH bill payment items will not be allowed as Bank does prepay ACH payments to ensure a timely delivery. 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 late charges or other adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to the Payeeaffected.

No Duty to Monitor Payments. The Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance herewithwith this Agreement. The Bank 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 the Bank. If the session during which you schedule a payment or transfer ends by 11:00 a.m. on any business day, 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 Pay Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to your account, the Bill Pay Payment Service will automatically block future Bill Pay Payment Service payments until the account has sufficient funds to make the payment. The Bank will attempt to notify you by email e-mail or U.S. Postal Mail, but the 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 all cases, you are responsible for either contacting 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. All other Fixed payments scheduled or fixed payments will be cancelled until the Bill Pay Service is unblocked and in an active status.  Liability The Bank for future dates will not be liable in any way for damages you incur for any of the following reasons: o insufficient funds in your Bill affected. Cancel or Change 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 BankInstructions. 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 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. 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 Bill Pay the Service prior to 6:00 p.m. 11:00 a.m. on the Business Day 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 the Bank, 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. The Bank may pay any item that is presented following the lapse of any stop payment order. Typically stop payments on ACH bill No Signature Required. When any payment or other online Service generates items will not to be allowed as Bank does prepay ACH payments charged to ensure a timely delivery. Attempts to stop in- process or processed ACH your account, you agree that we may debit your Bill Payment items should be handled directly with account without requiring your signature on the Payeeitem and without prior notice to you.  E-Bills E-Bills is Multiple Person Bill Payment Accounts. If more than one person has access to a feature of 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 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 late charges or other adverse consequences if a bill is not received timelyperson enrolled in that Bill Payment account. Any questions regarding bill details should be directed to However, any enrolled person may terminate the PayeeBill Payment service that will terminate the service for all enrolled persons on that Bill Payment account.

No Duty to Monitor Payments. Bank LAFCU is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance herewithwith this Agreement. LAFCU will not be liable in any way for damages you incur for any of the following reasons: • Through no fault of ours, insufficient funds in your Checking Account to make the payment; • Delays in mail delivery; • Changes to the payee's address or account number; • 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 LAFCU If the session during which you schedule a payment or transfer ends by 6:00 p.m., 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 Pay Checking Account does not have sufficient funds to make a payment as of the date the payment is debited to your account, the Bill Pay Payment Service will automatically block future Bill Pay Service payments Payment Services until the account has sufficient funds to make satisfy the paymentcollection item. Bank 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 by email 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 Bank 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 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 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. By using the Bill Pay Serviceall cases, you authorize Bank and its thirdare responsible for either contacting Member Services at 877-party service provider MY LAFCU (695-2328) to follow the payment instructions that you provide to Bank via the Bill Pay Service and to either make payment to the Payees that you designate. 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. 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 alternate arrangements 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 Bill Pay prior to 6:00 p.m. 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 months. If requested by the Bank, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed in order to continue in effect. The Bank may pay any item that is presented following the lapse of any stop payment order. Typically stop payments on ACH bill payment items will not be allowed as Bank does prepay ACH payments to ensure a timely delivery. 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 late charges or other adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to the Payeepayment.

No Duty to Monitor Payments. The Castle Rock Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance herewithwith this Agreement. The Bank 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  any other circumstances beyond the control of the Bank If the session during which you schedule a payment or transfer ends by 2:00 p.m., 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 Pay Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to your account, the Bill Pay Payment Service will automatically block future Bill Pay Payment Service payments until the account has sufficient funds to make the payment. The Bank will attempt to notify you by email e-mail or U.S. Postal Mail, but the 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 all cases, you are responsible 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. All other Fixed payments scheduled or fixed payments will be cancelled until the Bill Pay Service is unblocked and in an active status.  Liability The Bank for future dates will not be liable in any way for damages you incur for any of the following reasons: o insufficient funds in your Bill affected. Cancel or Change 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 BankInstructions. 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 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. 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 Bill Pay the Service prior to 6:00 2:00 p.m. on the Business Day 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 the Bank, 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. The Bank may pay any item that is presented following the lapse of any stop payment order. Typically stop payments on ACH bill No Signature Required. When any payment or other online Service generates items will not to be allowed as Bank does prepay ACH payments charged to ensure a timely delivery. Attempts to stop in- process or processed ACH your account, you agree that we may debit your Bill Payment items should be handled directly with account without requiring your signature on the Payee.  E-Bills E-Bills is a feature of the Bill Pay Service that enables you item and without prior notice 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 late charges or other adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to the Payeeyou.

No Duty to Monitor Payments. Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance herewith. 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 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. 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 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. 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 prior to the Bill Pay prior to 6:00 p.m. on service putting the Business Day the transaction is scheduled to be initiatedpayment into a “processing” status. 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 months. If requested by the Bank, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed in order to continue in effect. The Bank may pay any item that is presented following the lapse of any stop payment order. Typically stop payments on ACH bill payment items will not be allowed as Bank does prepay ACH payments to ensure a timely delivery. 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 late charges or other adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to the Payee.

No Duty to Monitor Payments. Bank Lake Trust is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance herewithwith this Agreement. We will not be liable in any way for damages you incur for any of the following reasons: • Insufficient funds in your Online Account to make the payment on the processing date; • Delays in mail delivery; • Changes to the payee's address or account number; • 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 Lake Trust. If the session during which you schedule a payment or transfer ends by 4:00 p.m., 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 Pay Online 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 your payment may be canceled and your account has sufficient funds to make the paymentmay be blocked. Bank Lake Trust will attempt to notify you by email e-mail or U.S. Postal Mail, but Bank Lake Trust 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 paymentsall cases, the payment currently scheduled will be impacted. All other scheduled or fixed payments will be cancelled until you are responsible for either contacting the Bill Pay Service is unblocked and in an active status.  Liability The Bank will not be liable in any way at 000-000-0000 to either make alternate arrangements 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 reschedule the payment in a timely manner, or o any other circumstances beyond the reasonable control of the Bank. By using through the Bill Pay Service, you authorize Bank and its third-party service provider to follow the payment instructions that you provide to Bank via . Once the Bill Pay Service and to make payment to the Payees that you designate. When any payment or other online Service generates items to has been restored future scheduled payments will 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. 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 made as long as your Bill Pay Account is in good standing with the merchant funds are available. Cancel or other PayeeChange Payment Instructions. 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 can be changed or canceled using Bill Pay any time prior to 6:00 p.m. the cutoff time on the Business Day the transaction is scheduled to be initiatedprocessing date. 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 feefee (see Fee Schedule). Stop payment orders whether oral, written, or electronic, will be in effect for a period of six months. If requested by the Bank, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed in order to continue in effect. The Bank may pay any item that is presented following the lapse of any stop payment order. Typically For further information regarding stop payments on ACH bill payment items will not be allowed as Bank does prepay ACH payments to ensure a timely delivery. Attempts to stop in- process or processed ACH Bill Payment items should be handled directly with please see the Payee.  E-Bills E-Bills is a feature Terms and Conditions 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 late charges or other adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to the PayeeYour Account.

No Duty to Monitor Payments. The Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance herewithwith this Agreement. The Bank 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 the Bank. If the session during which you schedule a payment or transfer ends by 3:15 p.m., 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 Pay Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to your account, the Bill Pay Payment Service will automatically block future Bill Pay Payment Service payments until the account has sufficient funds to make the payment. The Bank will attempt to notify you by email e-mail or U.S. Postal Mail, but the 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 all cases, you are responsible for either contacting 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. All other Fixed payments scheduled or fixed payments will be cancelled until the Bill Pay Service is unblocked and in an active status.  Liability The Bank for future dates will not be liable in any way for damages you incur for any of the following reasons: o insufficient funds in your Bill affected. Cancel or Change 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 BankInstructions. 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 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. 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 Bill Pay the Service prior to 6:00 3:15 p.m. on the Business Day 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 the Bank, 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. The Bank may pay any item that is presented following the lapse of any stop payment order. Typically stop payments on ACH bill No Signature Required. When any payment or other online Service generates items will not to be allowed as Bank does prepay ACH payments charged to ensure a timely delivery. Attempts to stop in- process or processed ACH your account, you agree that we may debit your Bill Payment items should be handled directly with account without requiring your signature on the Payee.  E-Bills E-Bills is a feature of the Bill Pay Service that enables you item and without prior notice 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 late charges or other adverse consequences if a bill is not received timely. Any questions regarding bill details should be directed to the Payeeyou.