Common use of THE XXXX PAYING PROCESS Clause in Contracts

THE XXXX PAYING PROCESS. The Institution will process variable payments on the business day (generally Monday through Friday, except federal banking holidays) you designate the payment is to be processed, provided the payment request is received prior to the cut-off time set by the Institution, which is currently 2:00 PM (Eastern Time). Variable payment requests received after the business day cut off time, or at any time on a non-business day, will be processed on the next business day. The Institution reserves its right to change the cut-off time by reasonable advance notice to you. IF A RECURRING PAYMENT FALLS ON A NON-BUSINESS DAY (SUCH AS WEEKENDS OR FEDERAL BANKING HOLIDAYS), THE PAYMENT SHALL BE PROCESSED ON THE PRECEDING BUSINESS DAY. Otherwise, recurring payment requests will be processed on the dates you have designated. YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS PRIOR TO THE DUE DATE APPEARING ON YOUR STATEMENT/INVOICE (THE “DUE DATE”) FOR EACH XXXX PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANT. IT IS YOUR RESPONSIBILITY TO SCHEDULE/ACTIVATE RECURRING PAYMENTS ACCORDINGLY. Due to circumstances beyond our control, some Merchants take longer to post payments than others. We strongly suggest sending your first payment eight (8) business days in advance of the Due Date. After your first payment has posted you will have a better understanding of how much time to allow for each Merchant. You must select a “Payment Date” that is at least five (5) business days before the actual Due Date reflected on your statement. If your actual Due Date falls on a non-business day, you must select a Payment Date that is at least one business day before the actual Due Date. Payment Dates should be determined without consideration to any permissible late date or grace period agreed upon between you and Merchant. When you have scheduled a payment, you authorize the Institution to debit your eligible account (the “Payment Account”) and remit such funds on your behalf. You certify that your Payment Account is an account from which you are authorized to make payments and any payment you make will be debited from this account. You also authorize the credit of returned payments arising from your using of the Xxxx Payment service. Institution shall not be liable if Institution is unable to complete any payments initiated through the Xxxx Payment service because of the existence of any one or more of the following circumstances:

THE XXXX PAYING PROCESS. The Financial Institution will process variable payments on the business day (generally Monday through Friday, except federal banking holidays) you designate the payment xxxx is to be processed, provided the payment request is received prior to the cut-off time set by the Financial Institution, which is currently 2:00 PM (Eastern Time)3:00 p.m. CT. Variable xxxx payment requests received after the business day cut off time, or at any time on a non-business day, day will be processed on the next business day. The Financial Institution reserves its right to change the cut-off time by reasonable advance giving you notice if it changes. Payments will be debited from your account on your scheduled payment date. If funds are not available on the first attempt, the payment will be scheduled to yoube processed for 2 additional business days. If funds are unavailable for the final attempt, the payment will not be processed. Please note, each attempt that fails due to Non Sufficient Funds (NSF), may be subject to a NSF fee. THE “LAST BUSINESS DAY” OPTION IS AVAILABLE FOR “MONTHLY”, “WEEKLY”, AND “TWICE A MONTH” RECURRING PAYMENTS. If scheduling a “Monthly” recurring payment series, the “Last Business Day” box would signal the payment to be paid on the last business day of the month. THIS OPTION IS THEREFORE ONLY ADVISABLE IF YOU ARE DESIGNATING A RECURRING PAYMENT FALLS DATE OF THE 28TH THROUGH THE 31ST OF THE MONTH. A payment scheduled with a process date of the 10th, for instance, would be paid ON A NON-THE LAST BUSINESS DAY OF THE MONTH if the “Last Business Day” box is checked. If this box is not checked, your payment will process on your designated payment date, or the next business day in the event that your designated date falls on a non-business day (SUCH AS WEEKENDS OR FEDERAL BANKING HOLIDAYSi.e. weekend day or holiday), THE PAYMENT SHALL BE PROCESSED ON THE PRECEDING BUSINESS DAY. Otherwise, If scheduling a “Weekly” or “Twice a Month” recurring payment requests will be processed series, the “Last Business Day” box would signal the payment to process on the dates you have designatedlast business day of the week in which your designated payment date falls. If this box is not checked, your payment will process on your designated payment date, or the next business day in the event that your designated date falls on a non-business day (i.e. weekend day or holiday). YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS DAYS, PRIOR TO THE DUE DATE APPEARING ON YOUR STATEMENT/INVOICE (THE “DUE DATE”) , FOR EACH XXXX PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANT. IT IS YOUR THE RESPONSIBILITY OF THE SUBSCRIBER TO SCHEDULE/ACTIVATE RECURRING PAYMENTS ACCORDINGLYPAYMENTS. Due to circumstances beyond our control, some Merchants take longer to post payments than others. We strongly suggest sending your first payment eight at least ten (8) 10) business days in advance of the Due Date. After your first payment has posted you will have a better understanding of how much time to allow for each Merchant. You must select a “Payment Date” Date that is at least five (5) business days before the actual Due Date reflected on your Payee statement. If your actual Due Date falls on a non-business day, day you must select a Payment Date that is at least one business day before longer than you would if the actual Due DateDate fell on a business day. Payment Due Dates should be determined without consideration prior to any permissible late date or grace period agreed upon between you and Merchantperiod. When you have scheduled a payment, you authorize the Financial Institution to debit your eligible account (the “Payment Account”) Account and remit such funds on your behalf. You certify that your Payment Account is an account from which you are authorized to make payments and any payment you make will be debited from this account. You also authorize the credit of returned payments arising from your using of the Xxxx Payment servicePay Service. Institution The Xxxx Pay Service will incur no liability and a Service Guarantee shall not be liable void if Institution the Xxxx Pay Service is unable to complete any payments initiated through the Xxxx Payment service because of the existence of any one or more of the following circumstancesfollowing:

THE XXXX PAYING PROCESS. The Institution Bank will process variable payments on the business day (generally Monday through Friday, except federal banking holidays) you designate the payment xxxx is to be processed, provided the payment request is received prior to the cut-off time set by the InstitutionThe Bank, which is currently 2:00 PM (Eastern Time)4:00 p.m. EST. Variable payment xxxx requests received after the business day cut off time, time or at any time on a non-business day, day will be processed on the next business day. The Institution Bank reserves its right to change the cut-off time by reasonable advance giving you notice to youif it changes. IF A RECURRING PAYMENT FALLS ON A NONWhen a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-BUSINESS DAY business date (SUCH AS WEEKENDS OR FEDERAL BANKING HOLIDAYSgenerally weekends and certain holidays), THE PAYMENT SHALL BE PROCESSED ON THE PRECEDING BUSINESS DAY. Otherwise, it is adjusted based upon the following rules: If a manual payment or recurring payment requests is entered after the daily processing cut off time or the payment date is a non processing day, the payment will be processed on scheduled for the dates you have designatednext business day. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS DAYS, PRIOR TO THE DUE DATE APPEARING ON YOUR STATEMENT/INVOICE (THE “DUE DATE”) , FOR EACH XXXX PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANTPAYEE. IT IS YOUR THE RESPONSIBILITY OF THE SUBSCRIBER TO SCHEDULE/ACTIVATE RECURRING PAYMENTS. IT IS OUR RECOMMENDATION THAT ADDITIONAL DAYS BE ALLOWED FOR PAYMENTS ACCORDINGLY. Due to circumstances beyond our control, some Merchants take longer to post payments than others. We strongly suggest sending your first payment eight (8) business days in advance of the Due Date. After your first payment has posted you will have a better understanding of how much time to allow for each MerchantTRAVELING MORE THAN 4 STATES AWAY. You must select a “Payment Date” that is at least five (5) business days before agree to have available and collected funds on deposit in the actual Due Date reflected on your statement. If your actual Due Date falls on a non-business dayaccount you designate in amounts sufficient to pay for all Xxxx Payments requested, you must select a Payment Date that is at least one business day before the actual Due Date. Payment Dates should be determined without consideration to as well as, any permissible late date or grace period agreed upon between you and Merchant. When other payment obligations you have scheduled to The Bank. The Bank reserves the right, without liability, to reject or reverse a payment, you authorize the Institution to debit your eligible account (the “Payment Account”) and remit such funds on your behalf. You certify that your Payment Account is an account from which you are authorized to make payments and any payment you make will be debited from this account. You also authorize the credit of returned payments arising from your using of the Xxxx Payment service. Institution shall not be liable if Institution is unable to complete any payments initiated through the Xxxx Payment service because of the existence of any one or more of the following circumstances:you fail to

THE XXXX PAYING PROCESS. The Institution Blue FCU will process variable payments on the business day (generally Monday through Friday, except federal banking holidays) you designate the payment xxxx is to be processed, provided the payment request is received prior to the cut-off time set by the InstitutionBlue FCU, which is currently 2:00 PM (Eastern Time)p.m. MST. Variable payment xxxx requests received after the business day cut cut-off time, time or at any time on a non-business day, day will be processed on the next business day. The Institution Blue FCU reserves its right to change the cut-off time by reasonable advance giving you notice to youif it changes. IF A FOR RECURRING PAYMENT FALLS ON REQUESTS, IF YOU DESIGNATE A NON-PROCESSING DATE OF THE 28TH THROUGH THE 31ST OF A MONTH, YOU MUST SELECT THE OPTION OF "LAST BUSINESS DAY (SUCH AS WEEKENDS OR FEDERAL BANKING HOLIDAYS), THE PAYMENT SHALL DAY" FOR PROCESSING TO ALWAYS BE PROCESSED INITIATED ON THE PRECEDING BUSINESS DAYLAST CALENDAR DAY OF THE MONTH. Otherwise, recurring payment requests will be processed on the dates you have designated, unless such date falls on a non-business day resulting in your payment being processed on the next business day. YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS DAYS, PRIOR TO THE DUE DATE APPEARING ON YOUR STATEMENT/INVOICE (THE “DUE DATE”) , FOR EACH XXXX PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANT. (IT IS YOUR THE RESPONSIBILITY OF THE ACCOUNT OWNER TO SCHEDULE/ACTIVATE RECURRING PAYMENTS ACCORDINGLY. PAYMENTS.) Due to circumstances beyond our control, some Merchants take longer to post payments than others. We strongly suggest sending your first payment eight (8) business days in advance of the Due Datedue date. After your first payment has posted you will have a better understanding of how much time to allow for each Merchant. You must select a “Payment Date” payment date that is at least five (5) business days before the actual Due Date due date reflected on your Payee statement. If your actual Due Date due date falls on a non-business day, day you must select a Payment Date payment date that is at least one business day before the actual Due Datedue date. Payment Dates dates should be determined without consideration prior to any permissible late date or grace period agreed upon between you and Merchantperiod. When you have scheduled a payment, you authorize the Institution Blue FCU to debit your eligible account (the “Payment Account”) payment Account and remit such funds on your behalf. You certify that your Payment payment Account is an account Account from which you are authorized to make payments and any payment you make will be debited from this accountAccount. You also authorize the credit of returned payments arising from your using of the Xxxx Pay Service. The Xxxx Payment Service will bear responsibility for any late payment related charges up to $50.00 should a Xxxx Payment post after its due date, as long as the Xxxx Payment servicewas scheduled in accordance with the guidelines described under "The Xxxx Paying Process" in this Agreement. Institution The Xxxx Pay Service will incur no liability and a Service Guarantee shall not be liable void if Institution the Xxxx Pay Service is unable to complete any payments initiated through the Xxxx Payment service because of the existence of any one or more of the following circumstancesfollowing:

THE XXXX PAYING PROCESS. The Institution Bank’s third party vendor will process variable payments single Xxxx Payments on the business day (generally Monday through Friday, except federal banking holidays) you designate the payment xxxx is to be processed, provided the payment Xxxx Payment request is received prior to the cut-off time set by the InstitutionBank, which is currently 2:00 PM (Eastern Time). Variable payment p.m. Single xxxx requests received after the business day cut cut-off time, or at any time on a non-business day, will be processed on the next business day. The Institution Bank reserves its the right to change the cut-off time by reasonable advance notice to yougiving you notice. FOR RECURRING XXXX PAYMENT REQUESTS, IF YOU DESIGNATE A RECURRING PAYMENT PROCESSING DATE OF THE 28TH THROUGH THE 31ST OF A MONTH AND THIS DATE FALLS ON IN A NON-BUSINESS DAY (SUCH AS WEEKENDS OR FEDERAL BANKING HOLIDAYS)SHORT MONTH, THE PAYMENT SHALL PROCESSING WILL BE PROCESSED INITIATED ON THE PRECEDING FIRST BUSINESS DAYCALENDAR DAY OF THE MONTH FOLLOWING THAT DATE. Otherwise, recurring payment Xxxx Payment requests will be processed on the dates you have designated. YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS PRIOR TO THE DUE DATE APPEARING ON YOUR STATEMENT/INVOICE (THE “DUE DATE”) FOR EACH XXXX PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANT. IT IS YOUR RESPONSIBILITY TO SCHEDULE/ACTIVATE RECURRING PAYMENTS ACCORDINGLY. Due to circumstances beyond our control, some Merchants take longer to post payments than others. We strongly suggest sending your first payment eight (8) business days in advance of the Due Date. After your first payment has posted you will have a better understanding of how much time to allow for each Merchant. You must select a “Payment Date” that is at least five (5) business days before the actual Due Date reflected on your statement. If your actual Due Date unless such date falls on a non-business day, you must select a Payment Date that is at least one business day before the actual Due Date. Payment Dates should be determined without consideration to any permissible late date or grace period agreed upon between you and Merchant. When you have scheduled a payment, you authorize the Institution to debit resulting in your eligible account (the “Payment Account”) and remit such funds on your behalf. You certify that your Payment Account is an account from which you are authorized to make payments and any payment you make will be debited from this account. You also authorize the credit of returned payments arising from your using of the Xxxx Payment servicebeing processed on the next business day. Institution shall not be liable if Institution is unable to complete any payments initiated through the Xxxx Payment service because of the existence of any one or more of the following circumstances:YOU MUST ALLOW AT LEAST 5 BUSINESS DAYS PRIOR TO THE DUE DATE EXCLUDING GRACE PERIODS FOR EACH XXXX PAYMENT (RECURRING OR SINGLE) TO REACH THE PAYEE. IT IS YOUR RESPONSIBILITY TO SCHEDULE/ ACTIVATE XXXX PAYMENTS. IF YOU DO NOT ALLOW SUFFICIENT TIME FOR A XXXX PAYMENT, YOU ASSUME FULL RESPONSIBILITY FOR ALL LATE FEES, FINANCE CHARGES AND ANY OTHER ACTIONS AGAINST YOU INITIATED BY A PAYEE. THE BANK RECOMMENDS THAT YOU ALLOW ADDITIONAL DAYS FOR XXXX PAYMENTS TRAVELING MORE THAN 4 STATES AWAY FROM OUR PROCESSING CENTER IN KENTUCKY.

THE XXXX PAYING PROCESS. The Financial Institution will process variable payments on the business day (generally Monday through Friday, except federal banking holidays) you designate the payment xxxx is to be processed, provided the payment request is received prior to the cut-off time set by the Financial Institution, which is currently 2:00 PM (Eastern Time). Variable payment xxxx requests received after the business day cut off time, or at any time on a non-business day, day will be processed on the next business day. The Financial Institution reserves its right to change the cut-off time by reasonable advance giving you notice to youif it changes. IF A RECURRING PAYMENT FALLS ON A NON-BUSINESS DAY (SUCH AS WEEKENDS OR FEDERAL BANKING HOLIDAYS), THE PAYMENT SHALL BE IS PROCESSED ON THE PRECEDING BUSINESS DAY. Otherwise, recurring payment requests will be processed on the dates you have designated. YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS DAYS, PRIOR TO THE DUE DATE APPEARING ON YOUR STATEMENT/INVOICE (THE “DUE DATE”) , FOR EACH XXXX PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANT. (IT IS YOUR THE RESPONSIBILITY OF THE SUBSCRIBER TO SCHEDULE/ACTIVATE RECURRING PAYMENTS ACCORDINGLY. PAYMENTS) Due to circumstances beyond our control, some Merchants take longer to post payments than others. We strongly suggest sending your first payment eight (8) business days in advance of the Due Date. After your first payment has posted you will have a better understanding of how much time to allow for each Merchant. You must select a “Payment Date” Date that is at least five (5) business days before the actual Due Date reflected on your Payee statement. If your actual Due Date falls on a non-business day, day you must select a Payment Date that is at least one business day before the actual Due Date. Payment Dates should be determined without consideration prior to any permissible late date or grace period agreed upon between you and Merchantperiod. When you have scheduled a payment, you authorize the Financial Institution to debit your eligible account (the “Payment Account”) Account and remit such funds on your behalf. You certify that your Payment Account is an account from which you are authorized to make payments and any payment you make will be debited from this account. You also authorize the credit of returned payments arising from your using of the Xxxx Payment servicePay Service. Institution The Xxxx Pay Service will incur no liability and a Service Guarantee shall not be liable void if Institution the Xxxx Pay Service is unable to complete any payments initiated through the Xxxx Payment service because of the existence of any one or more of the following circumstancesfollowing:

THE XXXX PAYING PROCESS. The Institution Single Payments A single payment will process variable payments be processed on the business day (generally Monday through Friday, except federal banking certain holidays) that you designate as the payment's process date provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time is currently 3:00 p.m. (CST) A single payment submitted after the cut-off time on the designated process date will be processed on the following business day. If you designate a non-business date (generally weekends and certain holidays) as the payment's process date, the payment will be processed on the first business day following the designated process date. Recurring Payments When a recurring payment is processed; it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: If the recurring payment's "Pay Backward" option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date.• If the recurring payment's "Pay Backward" option is not selected (or if the "Pay Backward" option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single and Recurring Payments, you must allow at least five (5) business days, prior to the due date, for each xxxx payment to reach the Payee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any xxxx payment can be changed or canceled, provided you access the payment request is received Xxxx Pay Service prior to the cut-off time set by the Institution, which is currently 2:00 PM (Eastern Time). Variable payment requests received after 3:00 p.m. CST) on the business day cut off timeprior to the business day the xxxx payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all xxxx payments requested, or at as well as, any time on a non-business day, will be processed on the next business dayother payment obligations you have to Liberty National Bank. The Institution Bank reserves the right, without liability, to reject or reverse a xxxx payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Payment Account and LNB has not exercised its right to reverse or reject a xxxx payment, you agree to pay for such payment obligations on demand. You further agree LNB, at its option, may charge any of your accounts with the bank to cover such payment obligations. LNB reserves the right to change the cut-off time by reasonable advance notice to you. IF A RECURRING PAYMENT FALLS ON A NON-BUSINESS DAY (SUCH AS WEEKENDS OR FEDERAL BANKING HOLIDAYS), THE PAYMENT SHALL BE PROCESSED ON THE PRECEDING BUSINESS DAY. Otherwise, recurring payment requests will be processed on the dates you have designated. YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS PRIOR TO THE DUE DATE APPEARING ON YOUR STATEMENT/INVOICE (THE “DUE DATE”) FOR EACH XXXX PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANT. IT IS YOUR RESPONSIBILITY TO SCHEDULE/ACTIVATE RECURRING PAYMENTS ACCORDINGLY. Due to circumstances beyond our control, some Merchants take longer to post payments than others. We strongly suggest sending your first payment eight (8) business days in advance of the Due Date. After your first payment has posted you will have a better understanding of how much time to allow for each Merchanttime. You must select a “Payment Date” will receive notice if it changes. Password, Security and Liability You are solely responsible for controlling the safekeeping of and access to, your User ID and Password. You are liable for all transactions you make or that is at least five (5) business days before the actual Due Date reflected on your statementyou authorize another person to make even if that person exceeds his or her authority. If your actual Due Date falls on a non-business dayyou want to terminate another person's authority, you must select notify Liberty National Bank and arrange to change your User ID and Password. You will be responsible for any Xxxx Payment request you make that contains an error or is a duplicate of another Xxxx Payment. The Bank is not responsible for a Xxxx Payment Date that is at least one business day before not made if you did not properly follow the actual Due Dateinstructions for making a Xxxx Payment. The Bank is not liable for any failure to make a Xxxx Payment Dates should be determined without consideration if you fail to any permissible late date or grace period agreed upon between promptly notify the Bank after you and Merchant. When learn that you have scheduled not received credit from a paymentPayee for a Xxxx Payment. The Bank is not responsible for your acts or omissions or those of any other person, you authorize including, without limitation, any transmission or communications facility, and no such party shall be deemed the Institution to debit your eligible account (Bank's agent. In any event, the “Payment Account”) and remit such funds on your behalf. You certify that your Payment Account is an account from which you are authorized to make payments and any payment you make Bank will be debited from this account. You also authorize the credit of returned payments arising from your using of the Xxxx Payment service. Institution shall not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Service, even if Institution is unable to complete any payments initiated through the Xxxx Payment service because Bank has knowledge of the existence possibility of them. The Bank is not liable for any one act, failure to act or more of delay in acting if it is caused, in whole or in part, by any cause beyond the following circumstances:bank's reasonable control.