Common use of Single and Recurring Payments Clause in Contracts

Single and Recurring Payments. The system will calculate the Estimated Arrival Date of your payment. This is only an estimate. Please allow ample time for your payments to reach your "Payees". CANCELLING A PAYMENT A bill payment can be changed or cancelled, anytime prior to the cutoff time on the scheduled process date. AVAILABLE FUNDS You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial Institution. •The Financial Institution reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with the above requirement or any other term of this agreement. •If you do not have sufficient funds in the account and the Financial Institution has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. •You further agree the Financial Institution, at its option, may charge any of your accounts with the Financial Institution to cover such payment obligations. The Financial Institution reserves the right to change the cut-off time. You will receive notice if it changes. LIABILITY •You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. •If you want to terminate another person's authority, you must notify Financial Partners FCU. •You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. •The Financial Institution is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment. •The Financial Institution is not liable for any failure to make a bill payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a "Payee" for a bill payment. •The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's agent. •In any event, the Financial Institution will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the Financial Institution has knowledge of the possibility of them. •The Financial Institution is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Financial Institution's reasonable control. AMENDMENT TERMINATION The Financial Institution has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law. •The Financial Institution has the right to terminate this agreement at any time. •You may terminate this agreement by written notice to the Financial Institution. •The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice. •You remain obligated for any payments made by the Financial Institution on your behalf. SERVICE FEES e*Pay will be offered as a free product during the first 3 months after enrollment. After this initial free offer the subscriber will be charged $3.00 per month on the same day as the initial sign up each month. This fee will be automatically taken from the subscribers checking account with Financial Partners Federal Credit Union that will be designated during the initial enrollment process. When a payment you have scheduled is processed (see "The Bill Paying Process"), funds sufficient to cover the payment are removed from your account with Financial Partners FCU for transmittal to the designated Payee. In lieu of fees in addition to those listed herein, once the funds are removed for processing, you will no longer earn, receive, or otherwise be entitled to any interest, dividends, or other return on, or compensation for, the funds removed. Additional charges for customer requested services and other items * There will be No Charge for any item if needed to correct a Financial Institution error • Written Correspondence to "Payee": $10.00 • Per proof of payment not necessitated by a dispute: $10.00 • Payments returned due to customer error: $5.00 • Cancellation Fee: $7.50 • ACH Return Fee: $10.00 • Express Mail correspondence: $15.00 • Overdraft Fee: $25.00 Miscellaneous Product Fees • Overnight Fee: $14.95 • 2nd Day Fee: $ 9.95 • Reinstate Fee: $50.00 • Charitable Donations: $1.99 • Gift Pay: $2.99 Financial Partners FCU reserves the right to charge you for research time involving payments no longer available in your screen history.

Single and Recurring Payments. The system will calculate the Estimated Arrival Date of your payment. This , this is only an estimate. Please , please allow ample time for your you payments to reach your "Payees". CANCELLING A PAYMENT A bill payment can be changed or cancelled, anytime prior to the cutoff time on the scheduled process date. AVAILABLE FUNDS You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial Institution. •The • The Financial Institution reserves the right, . without liability, . to reject or reverse a bill payment if you fail to comply with the above requirement or any other term of this agreement. •If • If you do not have sufficient funds in the account and the Financial Institution has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. •You • You further agree the Financial Institution, at its option, may charge any of your accounts with the Financial Institution to cover such payment obligations. The Financial Institution reserves the right to change the cut-off time. You will receive notice if it changes. LIABILITY •You · You are liable solely responsible for all transactions you make or that you authorize another person to make even if that person exceeds his or her authoritycontrolling the safekeeping of and access to, your Personal Identification Number (PIN). •If • If you want to terminate another person's authority, you must notify the Financial Partners FCUInstitution and arrange to change your PIN. •You · You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. •The • The Financial Institution is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment. •The • The Financial Institution is not liable for any failure to make a bill payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a "Payee" for a bill payment. •The • The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's agent. •In • In any event, the Financial Institution will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the Financial Institution has knowledge of the possibility of them. •The • The Financial Institution is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Financial Institution's reasonable control. AMENDMENT TERMINATION The Financial Institution has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law. •The • The Financial Institution has the right to terminate this agreement at any time. •You • You may terminate this agreement by written notice to the Financial Institution. •The · The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice. •You · You remain obligated for any payments made by the Financial Institution on your behalf. SERVICE FEES e*Pay will be offered as Please see the Miscellaneous Fees Disclosure for all applicable fees. The fee for the Bi ll Paying Service is $5 a month for any month that 3 bills are not paid using Bill Pay. Bill Pay is free product during the first 3 months after enrollment. After this initial free offer the subscriber will be charged $3.00 per month on the same day as the initial sign up each when three or more bills are paid in that month. This fee will be automatically taken from the subscribers checking account with Financial Partners Federal Credit Union that will be designated during the initial enrollment process. When a payment you have scheduled There is processed (see "The Bill Paying Process"), funds sufficient to cover the payment are removed from your account with Financial Partners FCU for transmittal no limit to the designated Payeenumber of monthly payments made utilizing Bill Pay. In lieu of fees in addition to those listed herein, once the funds are removed for processing, you will no longer earn, receive, or otherwise be entitled to any interest, dividends, or other return on, or compensation for, the funds removed. Additional charges for customer requested services and other items * There will be No Charge for any item if needed to correct a Financial Institution error • Written Correspondence to "Payee": $10.00 • Per proof of payment not necessitated by a dispute: $10.00 • Payments returned due to customer error: $5.00 • Cancellation Fee: $7.50 • ACH Return Fee: $10.00 • Express Mail correspondence: $15.00 • Overdraft Fee: $25.00 30 per occurrence Miscellaneous Product Fees • Overnight Fee: $14.95 • 2nd Day Fee: $ $9.95 • Reinstate Fee: $50.00 • Charitable Donations: $1.99 • Gift Pay: $2.99 The Financial Partners FCU Institution reserves the right to charge you for research time involving payments no longer available in your screen history. You will be informed of any such charges before they are incurred. Bill payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic Fund Transfers Disclosure Statement received when you opened your account, which discloses important information concerning your rights and obligations.

Single and Recurring Payments. The system will calculate the Estimated Arrival Date of your payment. This is only an estimate. Please , so please allow ample time for your payments to reach your "“Payees". .” CANCELLING A PAYMENT A bill payment can be changed or cancelled, anytime cancelled any time prior to the cutoff time on the scheduled process processing date. AVAILABLE AVAILABILE FUNDS You agree to have available and collected funds on deposit deposit, in the account you designate designate, in amounts sufficient to pay for all bill payments Bill Payments requested, as well as, any as other payment obligations you have to the Financial Institutionwith Veritas. •The Financial Institution Veritas Federal Credit Union reserves the right, without liability, to reject or reverse a bill payment Bill Payment if you fail to comply with the above this requirement or any other term of this agreement. •If If you do not have sufficient funds in the account Account and the Financial Institution Veritas has not exercised its right to reverse or reject a bill paymentBill Payment, you agree to pay for such payment obligations on demand. •You You further agree the Financial InstitutionVeritas, at its option, may charge any of your accounts with the Financial Institution to cover such payment obligations. The Financial Institution reserves LIABILITY You are solely responsible for controlling the right safekeeping of and access to change the cut-off timeyour Personal Identification Number (PIN). You will receive notice if it changes. LIABILITY •You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. •If If you want to terminate another person's authority’s authority to use the ePay service, you must notify Financial Partners FCUVeritas and arrange to change your PIN. •You You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. •The Financial Institution Veritas is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment. •The Financial Institution Veritas is not liable for any failure to make a bill payment if you fail to promptly notify the Financial Institution us after you learn that you have not received credit from a "“Payee" ” for a bill payment. •The The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's ’s agent. •In any event, the Financial Institution will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the Financial Institution has knowledge of the possibility of them. •The Financial Institution is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Financial Institution's reasonable control. AMENDMENT TERMINATION The Financial Institution has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law. •The Financial Institution has the right to terminate this agreement at any time. •You may terminate this agreement by written notice to the Financial Institution. •The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice. •You remain obligated for any payments made by the Financial Institution on your behalf. SERVICE FEES e*Pay will be offered as a free product during the first 3 months after enrollment. After this initial free offer the subscriber will be charged $3.00 per month on the same day as the initial sign up each month. This fee will be automatically taken from the subscribers checking account with Financial Partners Federal Credit Union that will be designated during the initial enrollment process. When a payment you have scheduled is processed (see "The Bill Paying Process"), funds sufficient to cover the payment are removed from your account with Financial Partners FCU for transmittal to the designated Payee. In lieu of fees in addition to those listed herein, once the funds are removed for processing, you will no longer earn, receive, or otherwise be entitled to any interest, dividends, or other return on, or compensation for, the funds removed. Additional charges for customer requested services and other items * There will be No Charge for any item if needed to correct a Financial Institution error • Written Correspondence to "Payee": $10.00 • Per proof of payment not necessitated by a dispute: $10.00 • Payments returned due to customer error: $5.00 • Cancellation Fee: $7.50 • ACH Return Fee: $10.00 • Express Mail correspondence: $15.00 • Overdraft Fee: $25.00 Miscellaneous Product Fees • Overnight Fee: $14.95 • 2nd Day Fee: $ 9.95 • Reinstate Fee: $50.00 • Charitable Donations: $1.99 • Gift Pay: $2.99 Financial Partners FCU reserves the right to charge you for research time involving payments no longer available in your screen history.

Single and Recurring Payments. The system will calculate the Estimated Arrival Date of your payment. This , this is only an estimate. Please , please allow ample time for your payments to reach your "Payees". CANCELLING A PAYMENT A bill payment can be changed or cancelled, anytime prior to the cutoff time on the scheduled process date. AVAILABLE FUNDS You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial Institution. •The • The Financial Institution reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with the above requirement or any other term of this agreement. •If • If you do not have sufficient funds in the account and the Financial Institution has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. •You • You further agree the Financial Institution, at its option, may charge any of your accounts with the Financial Institution to cover such payment obligations. The Financial Institution reserves the right to change the cut-off time. You will receive notice if it changes. LIABILITY •You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. •If • If you want to terminate another person's authority, you must notify the Financial Partners FCUInstitution. •You • You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. •The • The Financial Institution is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment. •The • The Financial Institution is not liable for any failure to make a bill payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a "Payee" for a bill payment. •The • The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's agent. •In • In any event, the Financial Institution will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the Financial Institution has knowledge of the possibility of them. •The • The Financial Institution is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Financial Institution's reasonable control. AMENDMENT TERMINATION The Financial Institution has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law. •The • The Financial Institution has the right to terminate this agreement at any time. •You • You may terminate this agreement by written notice to the Financial Institution. •The • The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice. •You • You remain obligated for any payments made by the Financial Institution on your behalf. SERVICE FEES e*Pay will be offered as a free product during the first 3 months after enrollment. After this initial free offer the subscriber will be charged $3.00 per month on the same day as the initial sign up each month. This fee will be automatically taken from the subscribers checking account with Financial Partners Federal Credit Union that will be designated during the initial enrollment process. When a payment you have scheduled is processed (see "The Bill Paying Process"), funds sufficient to cover the payment are removed from your account with Financial Partners FCU for transmittal to the designated Payee. In lieu of fees in addition to those listed herein, once the funds are removed for processing, you will no longer earn, receive, or otherwise be entitled to any interest, dividends, or other return on, or compensation for, the funds removed. Additional charges for customer requested services and other items * There will be No Charge for any item if needed to correct a Financial Institution error • Written Correspondence to "Payee"" : $10.00 • Per proof of payment not necessitated by a dispute: $10.00 • Payments returned due to customer error: $5.00 • Cancellation Fee: $7.50 • ACH Return NSF Fee: Item received $10.00 and Item returned $20.00 • Express Mail correspondence: $15.00 • Overdraft Fee: Item received $25.00 Miscellaneous Product Fees • Overnight Fee: 10.00 and Item returned $14.95 • 2nd Day Fee: $ 9.95 • Reinstate Fee: $50.00 • Charitable Donations: $1.99 • Gift Pay: $2.99 Financial Partners FCU reserves the right to charge you for research time involving payments no longer available in your screen history.20.00

Single and Recurring Payments. The system will calculate the Estimated Arrival Date of your payment. This , this is only an estimate. Please , please allow ample time for your you payments to reach your "“Payees"”. CANCELLING A PAYMENT A bill xxxx payment can be changed or cancelled, anytime any time prior to the cutoff time on the scheduled process date. AVAILABLE FUNDS You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill xxxx payments requested, as well as, any other payment obligations you have to the Financial Institution. •The • The Financial Institution reserves the right, without liability, to reject or reverse a bill xxxx payment if you fail to comply with the above requirement or any other term of this agreement. •If • If you do not have sufficient funds in the account and the Financial Institution has not exercised its right to reverse or reject a bill xxxx payment, you agree to pay for such payment obligations on demand. •You • You further agree the Financial Institution, at its option, may charge any of your accounts with the Financial Institution to cover such payment obligations. The Financial Institution reserves the right to change the cut-off time. You will receive notice if it changes. LIABILITY •You • You are liable solely responsible for all transactions you make or that you authorize another person to make even if that person exceeds his or her authoritycontrolling the safekeeping of and access to, your Personal Identification Number (PIN). •If • If you want to terminate another person's authority, you must notify the Financial Partners FCUInstitution and arrange to change your PIN. •You • You will be responsible for any bill xxxx payment request you make that contains an error or is a duplicate of another bill xxxx payment. •The • The Financial Institution is not responsible for a bill xxxx payment that is not made if you did not properly follow the instructions for making a bill xxxx payment. •The • The Financial Institution is not liable for any failure to make a bill xxxx payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a "“Payee" ” for a bill xxxx payment. •The • The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's agent. •In • In any event, the Financial Institution will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the Financial Institution has knowledge of the possibility of them. •The • The Financial Institution is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Financial Institution's reasonable control. AMENDMENT TERMINATION The Financial Institution has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law. •The The Financial Institution has the right to terminate this agreement at any time. •You You may terminate this agreement by written notice to the Financial Institution. •The The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice. •You You remain obligated for any payments made by the Financial Institution on your behalf. SERVICE FEES e*Pay will be offered as a free product during The fee for the first 3 months after enrollment. After this initial free offer the subscriber will be charged $3.00 per month on the same day as the initial sign up each month. This fee will be automatically taken from the subscribers checking account with Financial Partners Federal Credit Union that will be designated during the initial enrollment process. When a payment you have scheduled is processed (see "The Bill Xxxx Paying Process"), funds sufficient to cover the payment are removed from your account with Financial Partners FCU Service is: Free for transmittal to the designated Payee. In lieu an unlimited number of fees in addition to those listed herein, once the funds are removed for processing, you will no longer earn, receive, or otherwise be entitled to any interest, dividends, or other return on, or compensation for, the funds removedmonthly payments. Additional charges for customer requested services and other items * These are iPay’s charges to the Financial Institution which may be passed on to the consumer. There will be No Charge for any item if needed to correct a Financial Institution error error. • Written Correspondence to "“Payee"” : $10.00 • Per proof of payment not necessitated by a dispute: $10.00 • Payments returned due to customer error: $5.00 • Reinstate Fee: $5.00 • Cancellation Fee: $7.50 • ACH Return Fee: $10.00 • Express Mail correspondence: $15.00 • Overdraft NSF Fee: $25.00 Miscellaneous Product Fees • Overnight Fee: $14.95 • 2nd Day Fee: $ 9.95 • Reinstate Fee: $50.00 • Charitable Donations: $1.99 • Gift Pay: $2.99 37.00 The Financial Partners FCU Institution reserves the right to charge you for research time involving payments no longer available in your screen history. You will be informed of any such charges before they are incurred. Some Xxxx payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic Fund Transfers Disclosure Statement received when you opened your account, which discloses important information concerning your rights and obligations. Mobile Deposit MOUNT XXXXXX BANK Online Banking Services, Xxxx Payment Agreement and Mobile Banking Agreement between you and MOUNT XXXXXX BANK sets forth the terms and conditions of MOUNT XXXXXX BANK Mobile Deposit (the “Service”), which allows you to deposit certain checks into certain deposit accounts that are eligible to receive mobile deposits (“Mobile Deposit Accounts”) via an application (the “App”) installed on your supported mobile device. The App is considered part of the Service. By enrolling in the Service, you agree to be legally bound by this Addendum and the Bank Online Banking, Xxxx Payment Agreement and Bank Mobile Banking Agreement.

Single and Recurring Payments. The system will calculate the Estimated Arrival Date of your payment. This is only an estimate. Please , so please allow ample time for your payments to reach your "“Payees"”. CANCELLING A PAYMENT A bill payment can Available funds (as defined in the Master Account Agreement and Disclosure) must be changed or cancelled, anytime prior to the available by cutoff time on the scheduled process datepayment processing date and will be deducted from your account on the payment date you entered. AVAILABLE FUNDS You agree must keep the Credit Union and Bill Pay Customer Service aware of any changes in your current phone numbers, addresses, or e-mail address. You are responsible for monitoring to ensure that your payments are received and posted by the payee. If you have available a payment that failed because of insufficient funds in your account, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through Bill Pay. Transaction processing limits apply to Bill Pay service. The applicable limits depend upon the type of account you have and collected funds on deposit the type of payment you are attempting to schedule. If you attempt to schedule payments that exceed these limits, you will be notified at that time. Please pay items exceeding these limits via an alternate method, or contact the Credit Union. Any payee you wish to pay through Bill Pay must be payable in U.S. Dollars and be located in the account you designate in amounts sufficient United States. You may not use Bill Pay to make payments to a federal, state, or local governmental or tax unit, to pay for all bill child-support or alimony, or to make payments requestedto other categories of payees that the Credit Union establishes from time to time. Canceling a Bill Pay Transaction: You may cancel or change a scheduled Bill Pay transaction as long as processing has not been processed. After processing has been occurred, as well asit is not possible to stop or cancel a payment. If we fail to cancel or stop any Bill Pay transaction, any other the payment obligations will stand unless you have show us that payment to the Financial Institutionpayee was unenforceable. •The Financial Institution reserves the right, without liability, to reject or reverse If we re-credit your account after transferring funds over a bill payment if you fail to comply with the above requirement or any other term of this agreement. •If you do not have sufficient funds in the account valid and the Financial Institution has not exercised its right to reverse or reject a bill paymenttimely cancellation request, you agree to pay for such payment obligations on demand. •You further agree sign a statement describing the Financial Institutiondispute with the payee, at its option, may charge any to transfer to us all of your accounts with rights against the Financial Institution payee, and to cover such payment obligationsassist us in any legal action taken against that person. The Financial Institution reserves the right to change the cutCredit Union processes payments though a third-off time. You will receive notice if it changes. LIABILITY •You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. •If you want to terminate another person's authority, you must notify Financial Partners FCU. •You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. •The Financial Institution party service provider and is not responsible for a bill the timing of payments. Allow approximately ten (10) business days for your payment that is not made if you did not properly follow to reach the instructions for making a bill paymentvendor. •The Financial Institution is not liable for any failure to make a bill Mailed payments take longer than those sent electronically. The vendor determines which type of payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a "Payee" for a bill paymentit will receive. •The Financial Institution The Credit Union is not responsible for late payments. In the event that we fail to complete a payment in accordance with your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's agent. •In any eventinstructions, the Financial Institution will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the Financial Institution has knowledge of the possibility of them. •The Financial Institution Credit Union’s maximum liability is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Financial Institution's reasonable control. AMENDMENT TERMINATION The Financial Institution has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law. •The Financial Institution has the right to terminate this agreement at any time. •You may terminate this agreement by written notice to the Financial Institution. •The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice. •You remain obligated for any payments made by the Financial Institution on your behalf. SERVICE FEES e*Pay will be offered as a free product during the first 3 months after enrollment. After this initial free offer the subscriber will be charged $3.00 per month on the same day as the initial sign up each month. This fee will be automatically taken from the subscribers checking account with Financial Partners Federal Credit Union that will be designated during the initial enrollment process. When a payment you have scheduled is processed (see "The Bill Paying Process"), funds sufficient to cover the payment are removed from your account with Financial Partners FCU for transmittal to the designated Payee. In lieu of fees in addition to those listed herein, once the funds are removed for processing, you will no longer earn, receive, or otherwise be entitled to any interest, dividends, or other return on, or compensation for, the funds removed. Additional charges for customer requested services and other items * There will be No Charge for any item if needed to correct a Financial Institution error • Written Correspondence to "Payee": $10.00 • Per proof of payment not necessitated by a dispute: $10.00 • Payments returned due to customer error: $5.00 • Cancellation Fee: $7.50 • ACH Return Fee: $10.00 • Express Mail correspondence: $15.00 • Overdraft Fee: $25.00 Miscellaneous Product Fees • Overnight Fee: $14.95 • 2nd Day Fee: $ 9.95 • Reinstate Fee: $50.00 • Charitable Donations: $1.99 • Gift Pay: $2.99 Financial Partners FCU reserves the right to charge you for research time involving payments no longer available in your screen history5,000.00.

Single and Recurring Payments. The system will calculate the Estimated Arrival Date of your payment. This , this is only an estimate. Please , please allow ample time for your payments to reach your "Payees". CANCELLING A PAYMENT A bill payment can be changed or cancelled, anytime prior to the cutoff time on the scheduled process date. AVAILABLE FUNDS You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial Institution. •The • The Financial Institution reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with the above requirement or any other term of this agreement. •If • If you do not have sufficient funds in the account and the Financial Institution has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. •You • You further agree the Financial Institution, at its option, may charge any of your accounts with the Financial Institution to cover such payment obligations. The Financial Institution reserves the right to change the cut-off time. You will receive notice if it changes. LIABILITY •You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. •If • If you want to terminate another person's authority, you must notify the Financial Partners FCUInstitution. •You • You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. •The • The Financial Institution is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment. •The • The Financial Institution is not liable for any failure to make a bill payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a "Payee" for a bill payment. •The • The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's agent. •In • In any event, the Financial Institution will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the Financial Institution has knowledge of the possibility of them. •The • The Financial Institution is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Financial Institution's reasonable control. AMENDMENT TERMINATION The Financial Institution has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law. •The • The Financial Institution has the right to terminate this agreement at any time. •You • You may terminate this agreement by written notice to the Financial Institution. •The • The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice. •You • You remain obligated for any payments made by the Financial Institution on your behalf. SERVICE FEES e*Pay will be offered as a free product during the first 3 months after enrollment. After this initial free offer the subscriber will be charged $3.00 per month on the same day as the initial sign up each month. This fee will be automatically taken from the subscribers checking account with Financial Partners Federal Credit Union that will be designated during the initial enrollment process. When a payment you have scheduled is processed (see "The Bill Paying Process"), funds sufficient to cover the payment are removed from your account with Financial Partners FCU for transmittal to the designated Payee. In lieu of fees in addition to those listed herein, once the funds are removed for processing, you will no longer earn, receive, or otherwise be entitled to any interest, dividends, or other return on, or compensation for, the funds removed. Additional charges for customer requested services and other items * There will be No Charge for any item if needed to correct a Financial Institution error • Written Correspondence to "Payee": $10.00 • Per proof of payment not necessitated by a dispute: $10.00 • Payments returned due to customer error: $5.00 • Cancellation Fee: $7.50 • ACH Return NSF Fee: Item returned $10.00 25.00 • Express Mail correspondence: $15.00 • Overdraft Fee: Item returned $25.00 Miscellaneous Product Fees • Overnight Fee: $14.95 • 2nd Day Fee: $ 9.95 • Reinstate Fee: $50.00 • Charitable Donations: $1.99 • Gift Pay: $2.99 Financial Partners FCU reserves the right to charge you for research time involving payments no longer available in your screen history.25.00

Single and Recurring Payments. The system will calculate the Estimated Arrival Date of your payment. This is only an estimate. Please , so please allow ample time for your payments to reach your "“Payees"”. CANCELLING A PAYMENT A bill payment can Sufficient funds must be changed or cancelled, anytime prior to the available by cutoff time on the scheduled process payment processing date, and will be deducted from your account on the payment date you entered. AVAILABLE FUNDS You agree must keep the Credit Union and Xxxx Pay Customer Service aware of any changes in your current phone numbers, addresses, or e-mail address, as applicable. You are responsible for monitoring to ensure that your payments are received and posted by the payee. If you have available a payment that failed because of insufficient funds in your account, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through Xxxx Pay. Single transaction and collected funds on deposit daily processing limits apply to Xxxx Pay service depending upon the type of account you have and the type of payment you are attempting to schedule. If you attempt to schedule payments that exceed these limits, you will be notified at that time. Please pay items exceeding these limits via an alternate method, or contact the Accounting Department by calling (000)000-0000 or (000)000-0000. Any payee you wish to pay through Xxxx Pay must be payable in U.S. Dollars and be located in the account you designate in amounts sufficient United States. You may not use Xxxx Pay to make payments to a federal, state or local governmental or tax unit, or to pay for all bill child-support or alimony, or to make payments requestedto other categories of payees that you establish from time to time. Canceling a Xxxx Pay Transaction & Your Stop Payment Rights: You may cancel or change a scheduled Xxxx Pay transaction as long as processing has not been initiated. After processing has been initiated, as well asit is not possible to stop or cancel a payment. If we fail to cancel or stop any Xxxx Pay transaction, any other the payment obligations will stand unless you have show us that payment to the Financial Institutionpayee was unenforceable. •The Financial Institution reserves the right, without liability, to reject or reverse If we re-credit your account after transferring funds over a bill payment if you fail to comply with the above requirement or any other term of this agreement. •If you do not have sufficient funds in the account valid and the Financial Institution has not exercised its right to reverse or reject a bill paymenttimely cancellation request, you agree to pay for such payment obligations on demand. •You further agree sign a statement describing the Financial Institutiondispute with the payee, at its option, may charge any to transfer to us all of your accounts with rights against the Financial Institution to cover such payment obligations. The Financial Institution reserves the right to change the cut-off time. You will receive notice if it changes. LIABILITY •You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. •If you want to terminate another person's authority, you must notify Financial Partners FCU. •You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. •The Financial Institution is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment. •The Financial Institution is not liable for any failure to make a bill payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a "Payee" for a bill payment. •The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facilitypayee, and no such party shall be deemed to be the Financial Institution's agent. •In assist us in any event, the Financial Institution will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the Financial Institution has knowledge of the possibility of them. •The Financial Institution is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Financial Institution's reasonable control. AMENDMENT TERMINATION The Financial Institution has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law. •The Financial Institution has the right to terminate this agreement at any time. •You may terminate this agreement by written notice to the Financial Institution. •The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice. •You remain obligated for any payments made by the Financial Institution on your behalf. SERVICE FEES e*Pay will be offered as a free product during the first 3 months after enrollment. After this initial free offer the subscriber will be charged $3.00 per month on the same day as the initial sign up each month. This fee will be automatically legal action taken from the subscribers checking account with Financial Partners Federal Credit Union against that will be designated during the initial enrollment process. When a payment you have scheduled is processed (see "The Bill Paying Process"), funds sufficient to cover the payment are removed from your account with Financial Partners FCU for transmittal to the designated Payee. In lieu of fees in addition to those listed herein, once the funds are removed for processing, you will no longer earn, receive, or otherwise be entitled to any interest, dividends, or other return on, or compensation for, the funds removed. Additional charges for customer requested services and other items * There will be No Charge for any item if needed to correct a Financial Institution error • Written Correspondence to "Payee": $10.00 • Per proof of payment not necessitated by a dispute: $10.00 • Payments returned due to customer error: $5.00 • Cancellation Fee: $7.50 • ACH Return Fee: $10.00 • Express Mail correspondence: $15.00 • Overdraft Fee: $25.00 Miscellaneous Product Fees • Overnight Fee: $14.95 • 2nd Day Fee: $ 9.95 • Reinstate Fee: $50.00 • Charitable Donations: $1.99 • Gift Pay: $2.99 Financial Partners FCU reserves the right to charge you for research time involving payments no longer available in your screen historyperson.

Single and Recurring Payments. The system will calculate the Estimated Arrival Date of your payment. This is only an estimate. Please , so please allow ample time for your payments to reach your "“Payees". .” CANCELLING A PAYMENT A bill xxxx payment can be changed or cancelled, anytime cancelled any time prior to the cutoff time on the scheduled process processing date. AVAILABLE AVAILABILE FUNDS You agree to have available and collected funds on deposit deposit, in the account you designate designate, in amounts sufficient to pay for all bill payments Xxxx Payments requested, as well as, any as other payment obligations you have to the Financial Institutionwith Veritas. •The Financial Institution Veritas Federal Credit Union reserves the right, without liability, to reject or reverse a bill payment Xxxx Payment if you fail to comply with the above this requirement or any other term of this agreement. •If If you do not have sufficient funds in the account Account and the Financial Institution Veritas has not exercised its right to reverse or reject a bill paymentXxxx Payment, you agree to pay for such payment obligations on demand. •You You further agree the Financial InstitutionVeritas, at its option, may charge any of your accounts with the Financial Institution to cover such payment obligations. The Financial Institution reserves LIABILITY You are solely responsible for controlling the right safekeeping of and access to change the cut-off timeyour Personal Identification Number (PIN). You will receive notice if it changes. LIABILITY •You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. •If If you want to terminate another person's authority’s authority to use the ePay service, you must notify Financial Partners FCUVeritas and arrange to change your PIN. •You You will be responsible for any bill xxxx payment request you make that contains an error or is a duplicate of another bill xxxx payment. •The Financial Institution Veritas is not responsible for a bill xxxx payment that is not made if you did not properly follow the instructions for making a bill xxxx payment. •The Financial Institution Veritas is not liable for any failure to make a bill xxxx payment if you fail to promptly notify the Financial Institution us after you learn that you have not received credit from a "“Payee" ” for a bill xxxx payment. •The The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's ’s agent. •In any event, the Financial Institution will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the Financial Institution has knowledge of the possibility of them. •The Financial Institution is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Financial Institution's reasonable control. AMENDMENT TERMINATION The Financial Institution has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law. •The Financial Institution has the right to terminate this agreement at any time. •You may terminate this agreement by written notice to the Financial Institution. •The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice. •You remain obligated for any payments made by the Financial Institution on your behalf. SERVICE FEES e*Pay will be offered as a free product during the first 3 months after enrollment. After this initial free offer the subscriber will be charged $3.00 per month on the same day as the initial sign up each month. This fee will be automatically taken from the subscribers checking account with Financial Partners Federal Credit Union that will be designated during the initial enrollment process. When a payment you have scheduled is processed (see "The Bill Paying Process"), funds sufficient to cover the payment are removed from your account with Financial Partners FCU for transmittal to the designated Payee. In lieu of fees in addition to those listed herein, once the funds are removed for processing, you will no longer earn, receive, or otherwise be entitled to any interest, dividends, or other return on, or compensation for, the funds removed. Additional charges for customer requested services and other items * There will be No Charge for any item if needed to correct a Financial Institution error • Written Correspondence to "Payee": $10.00 • Per proof of payment not necessitated by a dispute: $10.00 • Payments returned due to customer error: $5.00 • Cancellation Fee: $7.50 • ACH Return Fee: $10.00 • Express Mail correspondence: $15.00 • Overdraft Fee: $25.00 Miscellaneous Product Fees • Overnight Fee: $14.95 • 2nd Day Fee: $ 9.95 • Reinstate Fee: $50.00 • Charitable Donations: $1.99 • Gift Pay: $2.99 Financial Partners FCU reserves the right to charge you for research time involving payments no longer available in your screen history.

Single and Recurring Payments. The system will calculate the Estimated Arrival Date of your payment. This , this is only an estimate. Please , please allow ample time for your you payments to reach your "Payees". CANCELLING A PAYMENT A bill payment can be changed or cancelled, anytime prior to the cutoff time on the scheduled process date. AVAILABLE FUNDS You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial Institution. •The • The Financial Institution reserves the right, . without liability, . to reject or reverse a bill payment if you fail to comply with the above requirement or any other term of this agreement. •If • If you do not have sufficient funds in the account and the Financial Institution has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. •You • You further agree the Financial Institution, at its option, may charge any of your accounts with the Financial Institution to cover such payment obligations. The Financial Institution reserves the right to change the cut-off time. You will receive notice if it changes. LIABILITY •You · You are liable solely responsible for all transactions you make or that you authorize another person to make even if that person exceeds his or her authoritycontrolling the safekeeping of and access to, your Personal Identification Number (PIN). •If • If you want to terminate another person's authority, you must notify the Financial Partners FCUInstitution and arrange to change your PIN. •You · You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. •The • The Financial Institution is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment. •The • The Financial Institution is not liable for any failure to make a bill payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a "Payee" for a bill payment. •The • The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's agent. •In • In any event, the Financial Institution will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the Financial Institution has knowledge of the possibility of them. •The • The Financial Institution is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Financial Institution's reasonable control. AMENDMENT TERMINATION The Financial Institution has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law. •The • The Financial Institution has the right to terminate this agreement at any time. •You • You may terminate this agreement by written notice to the Financial Institution. •The · The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice. •You · You remain obligated for any payments made by the Financial Institution on your behalf. SERVICE FEES e*Pay will be offered as Please see the Miscellaneous Fees Disclosure for all applicable fees. The fee for the Bi ll Paying Service is $5 a month for any month that 3 bills are not paid using Bill Pay. Bill Pay is free product during the first 3 months after enrollment. After this initial free offer the subscriber will be charged $3.00 per month on the same day as the initial sign up each when three or more bills are paid in that month. This fee will be automatically taken from the subscribers checking account with Financial Partners Federal Credit Union that will be designated during the initial enrollment process. When a payment you have scheduled There is processed (see "The Bill Paying Process"), funds sufficient to cover the payment are removed from your account with Financial Partners FCU for transmittal no limit to the designated Payeenumber of monthly payments made utilizing Bill Pay. In lieu of fees in addition to those listed herein, once the funds are removed for processing, you will no longer earn, receive, or otherwise be entitled to any interest, dividends, or other return on, or compensation for, the funds removed. Additional charges for customer requested services and other items * There will be No Charge for any item if needed to correct a Financial Institution error • Written Correspondence to "Payee": $10.00 • Per proof of payment not necessitated by a dispute: $10.00 • Payments returned due to customer error: $5.00 • Cancellation Fee: $7.50 • ACH Return Fee: $10.00 • Express Mail correspondence: $15.00 • Overdraft Fee: $25.00 30 per occurrence Miscellaneous Product Fees • Overnight Fee: $14.95 • 2nd Day Fee: $ $9.95 • Reinstate Fee: $50.00 • Charitable Donations: $1.99 • Gift Pay: $2.99 The Financial Partners FCU Institution reserves the right to charge you for research time involving payments no longer available in your screen history.