Common use of Payment Authorization and Payment Remittance Clause in Contracts

Payment Authorization and Payment Remittance. By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Service. When we receive a Payment Instruction from you, you authorize us to debit your Eligible Transaction Account and remit funds on your behalf. You also authorize us to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. We will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction because of the existence of any one or more of the following circumstances: If, through no fault of ours, the Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; The Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Service (including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will control.

Payment Authorization and Payment Remittance. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the ServiceSite. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us the Service to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Service by the United States Postal Service or cancelled and returned Xxxxxx, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedService. You agree that we The Service will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender attempt to send them to you. We will use reasonable efforts to complete make all your payment transactions payments properly. However, we the Service shall incur no liability and any Service Guarantee (as described in Section 3 of the Xxxx Payment Terms) shall be void if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : a. If, through no fault of oursthe Service, the your Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; ; b. The Service payment processing center is not working properly and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; c. You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number account information for the Xxxxxx; and/or, d. Circumstances beyond control of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender and the Receiver to ensure the accuracy of any information that they enter into foregoing exceptions are applicable, if the Service (including but causes an incorrect amount of funds to be removed from your Eligible Transaction Account or causes funds from your Eligible Transaction Account to be directed to a Xxxxxx which does not limited comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)your Eligible Transaction Account, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper Xxxxxx any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability and, if applicable, for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controllate payment related charges.

Payment Authorization and Payment Remittance. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the Servicepayment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Payment Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us the Service to credit your Eligible Transaction Payment Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Service by the United States Postal Service or cancelled and returned Xxxxxx, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedService. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. We The Service will use reasonable its best efforts to complete make all your payment transactions payments properly. However, we the Service shall incur no liability and any Service Guarantee shall be void if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: • If, through no fault of oursthe Service, the Eligible Transaction your Payment Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; • The Service payment processing center is not working properly and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; • You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number of account information for the Receiver to whom you are initiating a payment transactionXxxxxx; and/or, • Circumstances beyond our control of the Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender and the Receiver to ensure the accuracy of any information that they enter into foregoing exceptions are applicable, if the Service (including but causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Xxxxxx which does not limited comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to the your Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)Account, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper Xxxxxx any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability and, if applicable, for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controllate payment related charges.

Payment Authorization and Payment Remittance. You represent and warrant that you are acting with full authority for the Sender, and that you are duly authorized to execute this Agreement on behalf of the Sender. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the Servicepayment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Payment Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us the Service to credit your Eligible Transaction Payment Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Service by the United States Postal Service or cancelled and returned Xxxxxx, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedService. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. We The Service will use reasonable its best efforts to complete make all your payment transactions payments properly. However, we the Service shall incur no liability and any Service Guarantee shall be void if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: • If, through no fault of oursthe Service, the Eligible Transaction your Payment Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; • The Service payment processing center is not working properly and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; • You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number of account information for the Receiver to whom you are initiating a payment transactionXxxxxx; and/or, • Circumstances beyond our control of the Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender and the Receiver to ensure the accuracy of any information that they enter into foregoing exceptions are applicable, if the Service (including but causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Xxxxxx which does not limited comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to the your Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)Account, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper Xxxxxx any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability and, if applicable, for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controllate payment related charges.

Payment Authorization and Payment Remittance. By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Servicefrom you. In order to process payments more efficiently and effectively, you agree that we may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive a Payment Instruction from youInstruction, you authorize us to debit your Eligible Transaction Account account and remit funds on your behalfbehalf to your Xxxxxx so that the funds arrive on or as soon as reasonably possible after the Pay Date designated by you. You also authorize us to credit your Eligible Transaction Account account for the receipt of payments, including but not limited to those payments returned to us by the United States Postal Service or Xxxxxx. We will use our commercially reasonable efforts to make all your payments properly, and if we do not complete a payment from Receivers your account Card on time or in the correct amount according to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You agree that this agreement we will not be liable in any way for any payments that you may receiveyour losses, regardless of whether you authorized costs or expenses except for your direct losses or damages to the Sender extent directly relating to send them to youour gross negligence or intentional misconduct. We will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : i. If, through no fault of ours, the Eligible Transaction Account your account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; transaction; ii. The Bill Payment Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; iii. You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a payment transactionPayment Instructions; and/or, , iv. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility There are other exceptions provided in this agreement. Provided none of the Sender and the Receiver these exceptions are applicable, if we cause an incorrect amount of funds to ensure the accuracy of any information that they enter into the Service (including but not limited be removed from your account or cause funds from your account to be directed to a Xxxxxx in a manner inconsistent with your Payment Instructions, or fail to initiate your payment in accordance with your Payment Instructions, we shall only be responsible for returning those funds to your account, or for directing to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)proper Xxxxxx any previously misdirected transactions, and shall have no further liability with respect to same except as expressly provided for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlabove.

Payment Authorization and Payment Remittance. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the ServiceSite. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us the Service to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Service by the United States Postal Service or cancelled and returned Xxxxxx, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedService. You agree that we The Service will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender attempt to send them to you. We will use reasonable efforts to complete make all your payment transactions payments properly. However, we the Service shall incur no liability and any Service Guarantee (as described in Section 3 of the Bill Payment Terms) shall be void if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : 1. If, through no fault of oursthe Service, the your Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; ; 2. The Service payment processing center is not working properly and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; You ; 0. Xxx have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number account information for the Xxxxxx; and/or, 4. Circumstances beyond control of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender and the Receiver to ensure the accuracy of any information that they enter into foregoing exceptions are applicable, if the Service (including but causes an incorrect amount of funds to be removed from your Eligible Transaction Account or causes funds from your Eligible Transaction Account to be directed to a Xxxxxx which does not limited comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)your Eligible Transaction Account, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper Xxxxxx any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability and, if applicable, for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controllate payment related charges.

Payment Authorization and Payment Remittance. By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Servicepayment system. In order to process payments more efficiently and effectively, we may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive a Payment Instruction from youthrough the Bill Payment Services, you authorize us to debit your Eligible Transaction Payment Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us to credit your Eligible Transaction Payment Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) by the United States Postal Service or cancelled and returned Xxxxxx, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completed. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to youBill Payment Service. We will use reasonable our best efforts to complete make all your payment transactions payments properly. However, we shall incur no liability and any Service Guarantee shall be void if we are unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : 1. If, through no fault of oursthe Credit Union, the Eligible Transaction your Payment Account does not contain sufficient funds to complete the transaction; 2. The payment transaction or the payment transaction would exceed the credit limit of your overdraft account; The Service processing center is not working properly and you know or have been advised by us or on our behalf about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; 3. You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number of account information for the Receiver to whom you are initiating a payment transactionXxxxxx; and/or, , 4. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender and foregoing exceptions are applicable, if we cause an incorrect amount of funds to be removed from your Payment Account or cause funds from your Payment Account to be directed to a Xxxxxx which does not comply with your Payment Instructions, we shall be responsible for returning the Receiver improperly transferred funds to ensure the accuracy of any information that they enter into the Service (including but not limited to the your Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)Account, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper Xxxxxx any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability and, if applicable, for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controllate payment related charges.

Payment Authorization and Payment Remittance. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the ServiceSite. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us the Service to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Service by the United States Postal Service or cancelled and returned Xxxxxx, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedService. You agree that we The Service will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender attempt to send them to you. We will use reasonable efforts to complete make all your payment transactions payments properly. However, we the Service shall incur no liability and any Service Guarantee (as described in Section 3 of the Bill Payment Terms) shall be void if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: If, through no fault of oursthe Service, the your Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; The Service payment processing center is not working properly and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number of account information for the Receiver to whom you are initiating a payment transactionXxxxxx; and/or, Circumstances beyond our control of the Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender and the Receiver to ensure the accuracy of any information that they enter into foregoing exceptions are applicable, if the Service (including but causes an incorrect amount of funds to be removed from your Eligible Transaction Account or causes funds from your Eligible Transaction Account to be directed to a Xxxxxx which does not limited comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)your Eligible Transaction Account, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper Xxxxxx any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability and, if applicable, for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controllate payment related charges.

Payment Authorization and Payment Remittance. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the ServiceSite. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us the Service to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Service by the United States Postal Service or cancelled and returned Xxxxxx, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedService. You agree that we The Service will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender attempt to send them to you. We will use reasonable efforts to complete make all your payment transactions payments properly. However, we the Service shall incur no liability and any Service Guarantee (as described in Section 3 of the Xxxx Payment Terms) shall be void if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : a. If, through no fault of oursthe Service, the your Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; ; b. The Service payment processing center is not working properly and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; c. You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number account information for the Xxxxxx; and/or, d. Circumstances beyond control of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Service (including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will control.

Payment Authorization and Payment Remittance. By providing us the Service with the names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the Servicesite. To process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us the Service to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Service by the United States Postal Service or cancelled and returned Xxxxxx or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedService. You agree that we The Service will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender attempt to send them to you. We will use reasonable efforts to complete make all your payment transactions payments properly. However, we the Service shall incur no liability liability, and any Service Guarantee (as described in the Bill Payment Terms) shall be void if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : A. If, through no fault of oursthe Service, the your Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; ; B. The Service payment processing center is not working properly properly, and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; C. You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, information or the correct name and address name, address, phone number, or mobile phone number account information for the Xxxxxx; and/or, D. Circumstances beyond control of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction transaction, and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender and the Receiver to ensure the accuracy of any information that they enter into foregoing exceptions are applicable, if the Service (including but causes an incorrect amount of funds to be removed from your Eligible Transaction Account or causes funds from your Eligible Transaction Account to be directed to a Xxxxxx which does not limited comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)your Eligible Transaction Account, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper Xxxxxx any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability and, if applicable, for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controllate payment related charges.

Payment Authorization and Payment Remittance. a. By providing us with names and and/or telephone numbers, numbers and/or email addresses, addresses and/or bank account information of Receivers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Service. . b. When we receive a Payment Instruction from you, you authorize us to debit your Eligible sending Transaction Account and remit funds on your behalf. You also authorize us to credit your Eligible receiving Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(spayments(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You acknowledge and agree that if your Payment Instructions identify an account by name and account number, the relevant financial institution may execute those Payment Instructions by reference to the account number only, even if such account number does not correspond to the account name. You further acknowledge and agree that financial institutions holding the account may choose to not investigate discrepancies between account names and account numbers. c. Once registered, you as a Receiver authorize us to credit your Transaction Account for payments remitted to you on behalf of a Sender without further approval from you. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. If you do not register, then funds will not be transferred to you from the Sender’s Transaction Account, and the payment transaction will be cancelled. d. We will use reasonable efforts to complete make all your payment transactions payments properly. However, we shall incur no liability if we are unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : 1. If, through no fault of ours, the Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; . 2. The Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; ; 3. The payment is refused as described in Section 20 section 7 below; . 4. You have not provided us with the correct information, including but not limited to the correct Payment Instructions instructions or Eligible Transaction Account information, or the correct name and email address or mobile phone number of the Receiver to whom you are initiating sending a payment transactionpayment; and/or, 5. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. . e. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Service (including but not limited to the Payment Instructions instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware of that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Post Office Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will control.

Payment Authorization and Payment Remittance. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the Servicepayment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Payment Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us the Service to credit your Eligible Transaction Payment Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Service by the United States Postal Service or cancelled and returned Xxxxxx, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedService. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. We The Service will use reasonable its best efforts to complete make all your payment transactions payments properly. However; however, we the Service shall incur no liability liability, and any Service Guarantee shall be void if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : 1. If, through no fault of oursthe Service, the Eligible Transaction your Payment Account does not contain sufficient funds to complete the transaction; 2. The payment transaction or the payment transaction would exceed the credit limit of your overdraft account; The Service processing center is not working properly and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; 3. You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number account information for the Xxxxxx; and/or, 4. Circumstances beyond control of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction transaction, and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender and the Receiver to ensure the accuracy of any information that they enter into foregoing exceptions are applicable, if the Service (including but causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Xxxxxx which does not limited comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account and for directing to the Payment Instructions and nameproper Xxxxxx any previously misdirected transactions, telephone number and/or email address that the Sender enters and, if applicable, for the Receiver to whom you are sending the any late payment transaction), and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlrelated charges.

Payment Authorization and Payment Remittance. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the ServiceSite. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us the Service to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Service by the United States Postal Service or cancelled and returned Xxxxxx, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedService. You agree that we The Service will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender attempt to send them to you. We will use reasonable efforts to complete make all your payment transactions payments properly. However, we the Service shall incur no liability and any Service Guarantee (as described in Section 3 of the Bill Payment Terms) shall be void if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : 1. If, through no fault of oursthe Service, the your Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; account;‌ 2. The Service payment processing center is not working properly and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; 3. You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number account information for the Xxxxxx; and/or, 4. Circumstances beyond control of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender and the Receiver to ensure the accuracy of any information that they enter into foregoing exceptions are applicable, if the Service (including but causes an incorrect amount of funds to be removed from your Eligible Transaction Account or causes funds from your Eligible Transaction Account to be directed to a Xxxxxx which does not limited comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)your Eligible Transaction Account, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper Xxxxxx any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability and, if applicable, for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controllate payment related charges.

Payment Authorization and Payment Remittance. By providing us with the names and telephone numbers, email addresses, and/or bank account information of Receivers Payees to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the ServiceXxxx Payment. In order to process payments more efficiently and effectively, we may edit or alter payment data or data formats in accordance with Payee directives. When we receive a Xxxx Payment Instruction from youreceives Payment Instructions, you authorize us to debit your Eligible Transaction Xxxx Payment Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date. You also authorize us to credit your Eligible Transaction Xxxx Payment Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) by the U.S. Postal Service or cancelled and returned Payee, or payments remitted to you because the processing on behalf of the payment transaction could not be completed. You agree that we will not be liable in any way for any payments that you may receive, regardless another authorized user of whether you authorized the Sender to send them to youXxxx Payment. We will use reasonable our best efforts to complete make all your payment transactions payments properly. However, we the Service shall incur no liability and any Service Guarantee shall be void if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: • If, through no fault of ours, the Eligible Transaction your Xxxx Payment Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft accountoverdraftaccount; • The Service payment processing center is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; • You have not provided us with the correct information, including but not limited to the correct Xxxx Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number of account information for the Receiver to whom you are initiating a payment transactionPayee; and/or, • Circumstances beyond our control (such as, but not limited to, e.g. fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Service (including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlthosecircumstances.

Payment Authorization and Payment Remittance. By initiating a payment through the Service, you authorize XXXXXXXXXXXX.XXX to charge the account that you designate as the account to which the bill payments should be charged or withdrawn from (the "Funding Account"). You agree to maintain a balance or available credit limit in the specified Funding Account that is sufficient to fund all payments you initiate. You represent and warrant that you have the right to authorize XXXXXXXXXXXX.XXX to charge the Funding Account for payments you initiate using XXXXXXXXXXXX.XXX. You will indemnify and hold XXXXXXXXXXXX.XXX harmless from any claims by any third party, including any other owner of the account related to XXXXXXXXXXXX.XXX’s access to the Funding Account. You are responsible for confirming the accuracy of the information you provide about each payment you make, including the email/physical address, telephone, and the amount of the transaction. You represent and warrant that XXXXXXXXXXXX.XXX may send communication to the Payee on your behalf in connection with XXXXXXXXXXXX.XXX. By using XXXXXXXXXXXX.XXX, you represent and warrant that you and each person you identify have consented to receive ongoing communication, including text messages from us. Such communication may include messages, including text messages, to the recipient of XXXXXXXXXXXX.XXX to receive money you had paid them using XXXXXXXXXXXX.XXX. You agree to inform XXXXXXXXXXXX.XXX if a person withdraws his consent to receiving text messages from you. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Payees to whom you wish to direct payments, you thereby authorize us the Service to follow the Payment Instructions that we receive it receives through the Servicepayment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Payee directives. When we receive the Service receives a Payment Instruction from you, you thereby authorize us the Service to debit charge your Eligible Transaction Account credit card and remit funds on your behalfbehalf so that, subject to the terms and conditions herein contained, your account shall be credited within the Scheduled Payment Period. You also authorize us the Service to credit your Eligible Transaction Account credit card for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) or cancelled and returned to you because the processing of Service by the payment transaction could not be completedPayee. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. We The Service will use reasonable its best efforts to complete make all your payment transactions payments properly. However, we the Service shall incur no liability whatsoever for any loss, damage, expense or cost of any kind, and any Service guarantee shall be void and of no effect if we are the Service is unable to complete any transaction payment initiated by you because of the existence of any one or more of the following circumstances: If, through  Through no fault of oursthe Service, the Eligible Transaction Account your credit card does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of on your overdraft accountcredit card;  The Service payment processing center is not working properly and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below;  You have not provided us the Service with the correct informationname, including but not limited to the correct Payment Instructions or Eligible Transaction Account informationaddress, phone number, or account information for the correct name and address Payee, or mobile phone number of the Receiver to whom if any other information provided by you are initiating a payment transactionis incorrect; and/or,  Circumstances beyond our control of the Service (such as, but not limited to, fire, flood, network break or system down time, issues with the financial institution, surge in electricity supply or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstancestransaction. It is the responsibility Provided that none of the Sender and the Receiver to ensure the accuracy of any information that they enter into foregoing exceptions are applicable, if the Service (including but causes an incorrect amount of funds to be removed from your credit card or causes funds from your credit card to be directed to a Payee which does not limited comply with your Payment Instruction, the Service shall be responsible for returning the improperly transferred funds to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)your credit card, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper Payee any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability and, if applicable, for damages resulting from incorrect information entered by any late payment related charges. This shall be the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any extent of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use liability of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlService hereunder.

Payment Authorization and Payment Remittance. 1. By providing us with names and telephone numbers, email e-mail addresses, and/or bank account information of Receivers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Popmoney Service. 2. When we receive a Payment Instruction from you, you authorize us to debit your Eligible Transaction Account and remit funds on your behalf. You also authorize us to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. 3. You acknowledge and agree that if your Payment Instructions identify an account by name and account number, the relevant financial institution may execute those Payment Instructions by reference to the account number only, even if such account number does not correspond to the account name. You further acknowledge and agree that financial institutions holding the account may choose to not investigate discrepancies between account names and account numbers and that we have no responsibility to investigate discrepancies between account names and account numbers. 4. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. We will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction because of the existence of any one or more of the following circumstances: If, through no fault of ours, the Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; The Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. 5. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Popmoney Service (including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will control.

Payment Authorization and Payment Remittance. a. By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Service. . b. When we receive a Payment Instruction from you, you authorize us to debit your Eligible Transaction Account and remit funds on your behalf. You also authorize us to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. . c. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. . d. We will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction because of the existence of any one or more of the following circumstances: : 1. If, through no fault of ours, the Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; ; 2. The Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; ; 3. The payment is refused as described in Section 20 below; ; 4. You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a payment transaction; and/or, , 5. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. . e. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Service (including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will control.

Payment Authorization and Payment Remittance. By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Zelle Service. When we receive a Payment Instruction from you, you authorize us to debit your Eligible Transaction Account and remit funds on your behalf. You also authorize us to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. We will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction because of the existence of any one or more of the following circumstances: If, through no fault of ours, the Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; The Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Service or payment instructions (including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users AgreementWe will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction because of the existence of any one or more of the following circumstances: i. If, through no fault of ours, the words “I,” “me,” “my,” “us” Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; ii. The Zelle Service is not working properly and “our” mean you know or have been advised by us about the (consumer malfunction before you execute the payment transaction; iii. The payment is refused; iv. You have not provided us with the correct information, including but not limited to the correct Payment Instructions or business) that applied for and/or uses any Eligible Transaction Account information, or the correct name and address or mobile phone number of the Remote Deposit Capture Services Receiver to whom you are initiating a payment transaction; and/or, v. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the “Services”financial institution, or interference from an outside force) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “prevent the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use proper execution of the services, your notification of approval of my application, payment transaction and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlwe have taken reasonable precautions to avoid those circumstances.

Payment Authorization and Payment Remittance. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the ServiceSite. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us the Service to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Service by the United States Postal Service or cancelled and returned Xxxxxx, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedService. You agree that we The Service will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender attempt to send them to you. We will use reasonable efforts to complete make all your payment transactions payments properly. However, we the Service shall incur no liability and any Service Guarantee (as described in Section 3 of the Bill Payment Terms) shall be void if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: 1. If, through no fault of oursthe Service, the your Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; 2. The Service payment processing center is not working properly and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; 3. You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number of account information for the Receiver to whom you are initiating a payment transactionXxxxxx; and/or, 4. Circumstances beyond our control of the Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender and the Receiver to ensure the accuracy of any information that they enter into foregoing exceptions are applicable, if the Service (including but causes an incorrect amount of funds to be removed from your Eligible Transaction Account or causes funds from your Eligible Transaction Account to be directed to a Xxxxxx which does not limited comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)your Eligible Transaction Account, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper Xxxxxx any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability and, if applicable, for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controllate payment related charges.

Payment Authorization and Payment Remittance. By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Servicefrom you. In order to process payments more efficiently and effectively, you agree that we may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive a Payment Instruction from youInstruction, you authorize us to debit your Eligible Transaction Account and remit funds on your behalfbehalf to your Xxxxxx so that the funds arrive on or as soon as reasonably possible after the Pay Date designated by you. You also authorize us to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us by the United States Postal Service or Xxxxxx. We will use commercially reasonable efforts to make all your payments properly, and if we do not complete a payment from Receivers your Account on time or in the correct amount according to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You agree that this Agreement, we will not be liable in any way for any payments that you may receiveyour losses, regardless of whether you authorized costs or expenses, except for your direct losses or damages to the Sender extent directly relating to send them to youour gross negligence or intentional misconduct. We will use reasonable efforts to complete all also not be liable for your payment transactions properly. However, we shall incur no liability losses or damages if we are unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: If(i) if, through no fault of ours, the Eligible Transaction your Account does not contain sufficient funds to complete the payment transaction or transaction; (ii) if the payment transaction would exceed the credit limit of your overdraft account; The Bill Payment Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; You (iii) if you have not provided us with the correct information, including but not limited to the account information or correct Payment Instructions Instructions; or Eligible Transaction Account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances (iv) if circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, pandemic or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility There are other exceptions provided in this Agreement. Provided none of the Sender and the Receiver these exceptions are applicable, if we cause an incorrect amount of funds to ensure the accuracy of any information that they enter into the Service (including but not limited be removed from your Account or cause funds from your Account to be directed to a Xxxxxx in a manner inconsistent with your Payment Instructions, or fail to initiate your payment in accordance with your Payment Instructions, we will only be responsible for returning those funds to your Account, or for directing to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)proper Xxxxxx any previously misdirected transactions, and will have no further liability with respect to same, except as expressly provided for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlabove.

Payment Authorization and Payment Remittance. By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Servicefrom you. In order to process payments more efficiently and effectively, you agree that we may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive a Payment Instruction from youInstruction, you authorize us to debit your Eligible Transaction Account primary deposit account and remit funds on your behalfbehalf to your Xxxxxx so that the funds arrive on or as soon as reasonably possible after the Pay Date designated by you. You also authorize us to credit your Eligible Transaction Account primary deposit account for the receipt of payments, including but not limited to those payments returned to us by the United States Postal Service or Xxxxxx. We will use our commercially reasonable efforts to make all your payments properly, and if we do not complete a payment from Receivers your primary deposit account on time or in the correct amount according to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You agree that this Agreement we will not be liable in any way for any payments that you may receiveyour losses, regardless of whether you authorized costs or expenses except for your direct losses or damages to the Sender extent directly relating to send them to youour gross negligence or intentional misconduct. We will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : i. If, through no fault of ours, the Eligible Transaction Account your primary deposit account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; transaction; ii. The Bill Payment Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; iii. You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a payment transactionPayment Instructions; and/or, , iv. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, pandemic or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility There are other exceptions provided in this Agreement. Provided none of the Sender and the Receiver these exceptions are applicable, if we cause an incorrect amount of funds to ensure the accuracy of any information that they enter into the Service (including but not limited be removed from your primary deposit account or cause funds from your primary deposit account to be directed to a Xxxxxx in a manner inconsistent with your Payment Instructions, or fail to initiate your payment in accordance with your Payment Instructions, we shall only be responsible for returning those funds to your primary deposit account, or for directing to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)proper Xxxxxx any previously misdirected transactions, and shall have no further liability with respect to same except as expressly provided for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlabove.

Payment Authorization and Payment Remittance. a. By providing us with names and and/or telephone numbers, numbers and/or email addresses, addresses and/or bank account information of Receivers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Service. . b. When we receive a Payment Instruction from you, you authorize us to debit your Eligible sending Transaction Account and remit funds on your behalf. You also authorize us to credit your Eligible receiving Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(spayments(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You acknowledge and agree that if your Payment Instructions identify an account by name and account number, the relevant financial institution may execute those Payment Instructions by reference to the account number only, even if such account number does not correspond to the account name. You further acknowledge and agree that financial institutions holding the account may choose to not investigate discrepancies between account names and account numbers. c. Once registered, you as a Receiver authorize us to credit your Transaction Account for payments remitted to you on behalf of a Sender without further approval from you. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. If you do not register, d. We will use reasonable efforts to complete make all your payment transactions payments properly. However, we shall incur no liability if we are unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : 1. If, through no fault of ours, the Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; . 2. The Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; ; 3. The payment is refused as described in Section 20 section 7 below; . 4. You have not provided us with the correct information, including but not limited to the correct Payment Instructions instructions or Eligible Transaction Account information, or the correct name and email address or mobile phone number of the Receiver to whom you are initiating sending a payment transactionpayment; and/or, 5. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. . e. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Service (including but not limited to the Payment Instructions instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware of that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. P. O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will control.

Payment Authorization and Payment Remittance. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the ServiceSite. When we receive a Payment Instruction from youIn order to process payments more efficiently and effectively, you authorize us to debit your Eligible Transaction Account and remit funds on your behalfthe Service may edit or alter payment data or data formats in accordance with Xxxxxx directives. 1. You also authorize us to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. We will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction because of the existence of any one or more of the following circumstances: If, through no fault of oursthe Service, the your Eligible Transaction Account does not contain sufficient available funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; ; 2. The Service payment processing center or Site is not working properly and you know or have been advised by us the Service about the malfunction before you execute the transaction; 3. If the funds in your Eligible Transaction Account are subject to an uncollected funds hold, legal process or other circumstances restricting such transaction or payment; 4. If a legal order directs us to prohibit withdrawals from the Eligible Transaction Account; 5. If your Eligible Transaction Account is closed or if it has been frozen; 6. If we received incorrect or incomplete information from you or from third parties (e.g., the U.S. Treasury or an automated clearing house); 7. If you, or anyone you allow, commits any fraud or violates any law or regulation or if any transaction is prohibited by law, regulation, court order, or would be considered illegal activity; 8. If our failure to complete the transaction is done to protect the security of your Eligible Transaction Account and/or the Site; 9. If the payee mishandles or delays a payment transaction; The sent through the Service; 10. If delays in processing and/or payment is refused as described in Section 20 below; are caused by third-party software and/or services; 11. You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number account information for the Xxxxxx; and/or, 12. Circumstances beyond control of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Eligible Transaction Account or causes funds from your Eligible Transaction Account to be directed to a Xxxxxx which does not comply with your Payment Instructions, we and the Receiver Service shall be responsible for returning the improperly transferred funds to ensure the accuracy of any information that they enter into the Service (including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)your Eligible Transaction Account, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper Xxxxxx any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or and, if applicable, for any late payment related charges. This is our sole liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event the Service causes an incorrect amount of funds to be removed from your Eligible Transaction Account or causes funds from your Eligible Transaction Account to be directed to a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and Xxxxxx which does not comply with your approval notification, the End Users Agreement and subsequent versions will controlPayment Instructions.

Payment Authorization and Payment Remittance. By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Servicefrom you. In order to process payments more efficiently and effectively, you agree that we may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive a Payment Instruction from youInstruction, you authorize us to debit your Eligible Transaction Account primary deposit account and remit funds on your behalfbehalf to your Xxxxxx so that the funds arrive on or as soon as reasonably possible after the Pay Date designated by you. You also authorize us to credit your Eligible Transaction Account primary deposit account for the receipt of payments, including but not limited to those payments returned to us by the United States Postal Service or Xxxxxx. We will use commercially reasonable efforts to make all your payments properly. If we do not complete a payment from Receivers your primary deposit account on time or in the correct amount according to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You agree that this Agreement, we will not be liable in any way for any payments that you may receiveyour losses, regardless of whether you authorized costs, or expenses, except for your direct losses or damages to the Sender extent directly relating to send them to youour gross negligence or intentional misconduct. We will use reasonable efforts to complete all also not be liable for your payment transactions properly. However, we shall incur no liability losses or damages if we are unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: If(i) if, through no fault of ours, the Eligible Transaction Account your primary deposit account does not contain sufficient funds to complete the payment transaction or transaction; (ii) the payment transaction would exceed the credit limit of your overdraft account; The Xxxx Payment Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; You (iii) you have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account account information, or the correct name and address Payment Instructions; or mobile phone number of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances (iv) circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, pandemic or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility There are other exceptions provided in this Agreement. Provided none of the Sender and the Receiver these exceptions are applicable, if we cause an incorrect amount of funds to ensure the accuracy of any information that they enter into the Service (including but not limited be removed from your primary deposit account or cause funds from your primary deposit account to be directed to a Xxxxxx in a manner inconsistent with your Payment Instructions, or fail to initiate your payment in accordance with your Payment Instructions, we will only be responsible for returning those funds to your primary deposit account, or for directing to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)proper Xxxxxx any previously misdirected transactions, and will have no further liability with respect to same, except as expressly provided for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlabove.

Payment Authorization and Payment Remittance. By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Servicefrom you. In order to process payments more efficiently and effectively, you agree that we may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive a Payment Instruction from youInstruction, you authorize us to debit your Eligible Transaction Account account and remit funds on your behalfbehalf to your Xxxxxx so that the funds arrive on or as soon as reasonably possible after the Pay Date designated by you. You also authorize us to credit your Eligible Transaction Account account for the receipt of payments, including but not limited to those payments returned to us by the United States Postal Service or Xxxxxx. We will use our commercially reasonable efforts to make all your payments properly, and if we do not complete a payment from Receivers your account Card on time or in the correct amount according to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You agree that this Agreement we will not be liable in any way for any payments that you may receiveyour losses, regardless of whether you authorized costs or expenses except for your direct losses or damages to the Sender extent directly relating to send them to youour gross negligence or intentional misconduct. We will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : i. If, through no fault of ours, the Eligible Transaction Account your account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; transaction; ii. The Xxxx Payment Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; iii. You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a payment transactionPayment Instructions; and/or, Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Service (including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will control.

Payment Authorization and Payment Remittance. By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through from you. In order to process payments more efficiently and effectively, you agree that we may edit or alter (i) delivery data to meet USPS standards, or at the Servicepreference of a Xxxxxx, and (ii) account formats to deliver as electronic payments. When we receive a Payment Instruction from youInstruction, you authorize us to debit your Eligible Transaction Account account and remit funds on your behalfbehalf to your Xxxxxx so that the funds arrive on the Arrival Date designated by you or as soon as reasonably possible thereafter. You also authorize us to credit your Eligible Transaction Account account for the receipt of payments, including but not limited to those payments returned to us by the United States Postal Service or Xxxxxx. We will use our commercially reasonable efforts to make all your payments properly, and if we do not complete a payment from Receivers your account Card on time or in the correct amount according to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You agree that this Agreement we will not be liable in any way for any payments that you may receiveyour losses, regardless of whether you authorized costs or expenses except for your direct losses or damages to the Sender extent directly relating to send them to youour gross negligence or intentional misconduct. We will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : i. If, through no fault of ours, the Eligible Transaction Account your account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; transaction; ii. The Bill Payment Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; iii. You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a payment transactionPayment Instructions; and/or, , iv. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility There are other exceptions provided in this Agreement. Provided none of the Sender and the Receiver these exceptions are applicable, if we cause an incorrect amount of funds to ensure the accuracy of any information that they enter into the Service (including but not limited be removed from your account or cause funds from your account to be directed to a Xxxxxx in a manner inconsistent with your Payment Instructions, or fail to initiate your payment in accordance with your Payment Instructions, we shall only be responsible for returning those funds to your account, or for directing to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)proper Xxxxxx any previously misdirected transactions, and shall have no further liability with respect to same except as expressly provided for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlabove.

Payment Authorization and Payment Remittance. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the ServiceSite. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us the Service to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Service by the United States Postal Service or cancelled and returned Xxxxxx, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedService. You agree that we The Service will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender attempt to send them to you. We will use reasonable efforts to complete make all your payment transactions payments properly. However, we the Service shall incur no liability and any Service Guarantee (as described in Section 3 of the Bill Payment Terms) shall be void if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : 1. If, through no fault of oursthe Service, the your Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; account;‌ 2. The Service payment processing center is not working properly and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; 3. You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number account information for the Xxxxxx; and/or,‌ 4. Circumstances beyond control of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Service (including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will control.

Payment Authorization and Payment Remittance. By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Servicefrom you. In order to process payments more efficiently and effectively, you agree that we may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive a Payment Instruction from youInstruction, you authorize us to debit your Eligible Transaction Account primary deposit account and remit funds on your behalfbehalf to your Xxxxxx so that the funds arrive on or as soon as reasonably possible after the Pay Date designated by you. You also authorize us to credit your Eligible Transaction Account primary deposit account for the receipt of payments, including but not limited to those payments returned to us by the United States Postal Service or Xxxxxx. We will use our commercially reasonable efforts to make all your payments properly, and if we do not complete a payment from Receivers your primary deposit account Card on time or in the correct amount according to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You agree that this Agreement we will not be liable in any way for any payments that you may receiveyour losses, regardless of whether you authorized costs or expenses except for your direct losses or damages to the Sender extent directly relating to send them to youour gross negligence or intentional misconduct. We will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : i. If, through no fault of ours, the Eligible Transaction Account your primary deposit account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; transaction; ii. The Bill Payment Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; iii. You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a payment transactionPayment Instructions; and/or, , iv. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, pandemic or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility There are other exceptions provided in this Agreement. Provided none of the Sender and the Receiver these exceptions are applicable, if we cause an incorrect amount of funds to ensure the accuracy of any information that they enter into the Service (including but not limited be removed from your primary deposit account or cause funds from your primary deposit account to be directed to a Xxxxxx in a manner inconsistent with your Payment Instructions, or fail to initiate your payment in accordance with your Payment Instructions, we shall only be responsible for returning those funds to your primary deposit account, or for directing to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)proper Xxxxxx any previously misdirected transactions, and shall have no further liability with respect to same except as expressly provided for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlabove.

Payment Authorization and Payment Remittance. By accepting this Agreement, you: (a) represent and warrant that you have full authority to do so, (b) understand that the Service is only available through the Bank’s Online and Mobile Banking service, and (c) agree that the security procedures described in the Online and Mobile Banking User Agreement apply to the Service and are commercially reasonable. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Payees to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the Service. In order to process payments more efficiently and effectively, the Service may edit or alter payment data (other than payment amounts) or data formats in accordance with Payee directives. When we receive the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Pay From Account and remit funds on your behalfbehalf so that the funds will arrive as close as reasonably possible to the Payment Date you choose. You also authorize us the Service to credit your Eligible Transaction Pay From Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Service by the United States Postal Service or cancelled and returned Payee, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedService. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. We The Service will use reasonable its best efforts to complete all timely and accurately process your payment transactions properlypayments. However, we the Service shall incur no liability if we are the Service is unable to complete any transaction payment(s) you initiate because of the existence of any one or more of the following circumstances: If, through no fault of ours, the Eligible Transaction • Your Pay From Account does not contain have sufficient available funds to complete the payment transaction or the payment transaction would exceed the line of credit limit of your a linked overdraft account; • The Service payment processing center is not working properly and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; • You have do not provided us provide the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Pay From Account information, or the correct name and address name, address, phone number, or mobile phone number account information for the Payee; or • The Bank shall not be liable for any failure to perform its obligations under this Agreement due to the occurrence of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances an event beyond our control (such as, but not limited to, including without limitation as fire, flood, network power outage, acts of God, government or system down timecivil authority, issues with the financial institutioncivil or labor disturbance, war, riots, or interference the failure of our service providers to perform). Except for the foregoing, if the Service causes an incorrect amount of funds to be removed from an outside forceyour Pay From Account or causes funds from your Pay From Account to be directed to a Payee which does not comply with your Payment Instructions, the Service shall be responsible, as applicable, to: (a) prevent return improperly transferred funds to your Pay From Account, (b) redirect misdirected transactions to the proper execution Payee, and (c) pay the Payee or reimburse your payment of the Payee for late payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Service (including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlrelated charges.

Payment Authorization and Payment Remittance. By providing us the Service with names and telephone numbersnames, email addressescontact information, and/or bank account information of Receivers Billers/Payees to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the ServiceSite. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Xxxxxx/Payee directives. Payment Instructions will be considered as having been given to us directly by you and shall have the same authority as your written signature in authorizing us to comply with the instructions. When we receive the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Deliver-By-Date designated by you. You also authorize us the Service to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(sthe Service by the United States Postal Service (USPS) or cancelled and returned Xxxxxx/Payee, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedService. You agree that we The Service will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender attempt to send them to you. We will use reasonable efforts to complete make all your payment transactions properlypayments properly and promptly. However, we the Service shall incur no liability if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : a. If, through no fault of oursthe Service, the there are insufficient funds in your Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit or overdraft protection limit of your overdraft account; Eligible Transaction Account; b. The Service payment processing center is not working properly properly, and you know know, or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; c. You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number account information for the Xxxxxx/Payee; and/or d. Circumstances beyond the control of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender and the Receiver to ensure the accuracy of any information that they enter into foregoing exceptions are applicable, if the Service (including but causes an incorrect amount of funds to be removed from your Eligible Transaction Account or causes funds from your Eligible Transaction Account to be directed to a Xxxxxx/Payee which does not limited comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)your Eligible Transaction Account, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper Xxxxxx/Payee any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability and, if applicable, for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controllate payment related charges.

Payment Authorization and Payment Remittance. By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Servicefrom you. In order to process payments more efficiently and effectively, you agree that we may edit or alter payment data or data formats in accordance with Xxxxxx directives. When we receive a Payment Instruction from youInstruction, you authorize us to debit your Eligible Transaction Account account and remit funds on your behalfbehalf to your Xxxxxx so that the funds arrive on or as soon as reasonably possible after the Pay Date designated by you. You also authorize us to credit your Eligible Transaction Account account for the receipt of payments, including but not limited to those payments returned to us by the United States Postal Service or Xxxxxx. We will use our commercially reasonable efforts to make all your payments properly, and if we do not complete a payment from Receivers your account Card on time or in the correct amount according to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You agree that this agreement we will not be liable in any way for any payments that you may receiveyour losses, regardless of whether you authorized costs or expenses except for your direct losses or damages to the Sender extent directly relating to send them to youour gross negligence or intentional misconduct. We will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : i. If, through no fault of ours, the Eligible Transaction Account your account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; transaction; ii. The Xxxx Payment Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; iii. You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a payment transactionPayment Instructions; and/or, , iv. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility There are other exceptions provided in this agreement. Provided none of the Sender and the Receiver these exceptions are applicable, if we cause an incorrect amount of funds to ensure the accuracy of any information that they enter into the Service (including but not limited be removed from your account or cause funds from your account to be directed to a Xxxxxx in a manner inconsistent with your Payment Instructions, or fail to initiate your payment in accordance with your Payment Instructions, we shall only be responsible for returning those funds to your account, or for directing to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)proper Xxxxxx any previously misdirected transactions, and shall have no further liability with respect to same except as expressly provided for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlabove.

Payment Authorization and Payment Remittance. By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Popmoney Service. When we receive a Payment Instruction from you, you authorize us to debit your Eligible Transaction Account and remit funds on your behalf. You also authorize us to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. We will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction because of the existence of any one or more of the following circumstances: If, through no fault of ours, the Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; The Service is not working properly and you know or have been advised by us about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have taken reasonable precautions to avoid those circumstances. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Service or payment instructions (including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users AgreementWe will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction because of the existence of any one or more of the following circumstances: i. If, through no fault of ours, the words “I,” “me,” “my,” “us” Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; ii. The Popmoney Service is not working properly and “our” mean you know or have been advised by us about the (consumer malfunction before you execute the payment transaction; iii. The payment is refused; iv. You have not provided us with the correct information, including but not limited to the correct Payment Instructions or business) that applied for and/or uses any Eligible Transaction Account information, or the correct name and address or mobile phone number of the Remote Deposit Capture Services Receiver to whom you are initiating a payment transaction; and/or, v. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the “Services”financial institution, or interference from an outside force) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “prevent the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use proper execution of the services, your notification of approval of my application, payment transaction and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlwe have taken reasonable precautions to avoid those circumstances.