Common use of Xxxx Payment Service Clause in Contracts

Xxxx Payment Service. You can arrange, at your option, for the payment of your current, future and recurring bills from your designated Xxxx Pay Account. For Xxxx Payment Service, your Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you wish to pay through Xxxx Payment Service. You must include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurring. The Financial Institution reserves the right to decline to make Payments to certain persons and entities. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will not attempt to use the Service to make these types of Payments. On recurring Payments, it is the responsibility of you or your designated authorized users to update Payee account information as necessary to ensure receipt of payment. Payments are posted against your ledger balance, plus the available credit on your overdraft protection, if any, or other line of credit. 3.8.1. You may schedule Payments to be initiated on a future date, or on the same date of each month. If the transaction shows an In Process status, then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Days. Funds must be available in your Account on the scheduled payment date. We may make the Payment either by transferring funds electronically to the Payee or by mailing the Payee a check. Funds will be deducted from your Account on the same Business Day for Electronic Payments. Payments made by check will be deducted from your Account when the check clears your Account. If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated on the following Business Day. The Xxxx Payment Service will indicate whether a Payee is paid electronically or by check. 3.8.2. If Payment is to be made electronically and your Account does not have sufficient funds to make a Payment as of the date the transfer or Payment is attempted or scheduled to be made, the Transfer or Payment may be canceled and no further attempt will be made by Financial Institution to make the Transfer or Payment or notify you. Financial Institution shall have no obligation or liability if it does not complete a Transfer or Payment because 3.8.3. Recurring Payments and Transfers are those made for the same amount, on the same date, on a weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and Transfers will be made automatically until you delete the Payment or Transfer or upon expiration. If the Payment is not a recurring Payment, it will be a “one- time Payment.” One-time Payments do not recur and are not made until you enter the Payee and amount of the current xxxx and submit the Payment. A recurring Xxxx Payment Service transaction that you want deleted must be deleted or the next Payment date changed five (5) Business Days before the current transaction date.

Xxxx Payment Service. You can arrange, at your option, for the payment of your current, future and recurring bills from your designated Xxxx Pay Account. For Xxxx Payment Service, your Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you wish to pay through Xxxx Payment Service. You must include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurring. The Financial Institution reserves the right to decline to make Payments to certain persons and entities. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will not attempt to use the Service to make these types of Payments. On recurring Payments, it is the responsibility of you or your designated authorized users to update Payee account information as necessary to ensure receipt of payment. Payments are posted against your ledger balance, plus the available credit on your overdraft protection, if any, or other line of credit. 3.8.1. You may schedule Payments to be initiated on a future date, or on the same date of each month. If the transaction shows an In Process status, then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Days. Funds must be available in your Account on the scheduled payment date. We may make the Payment either by transferring funds electronically to the Payee or by mailing the Payee a check. Funds will be deducted from your Account on the same Business Day for Electronic Payments. Payments made by check will be deducted from your Account when the check clears your Account. If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated on the following Business Day. The Xxxx Payment Service will indicate whether a Payee is paid electronically or by check. 3.8.2. If Payment is to be made electronically and your Account does not have sufficient funds to make a Payment as of the date the transfer or Payment is attempted or scheduled to be made, the Transfer or Payment may be canceled and no further attempt will be made by Financial Institution to make the Transfer or Payment or notify you. Financial Institution shall have no obligation or liability if it does not complete a Transfer or Payment becausebecause there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the Payment or rescheduling the Payment through the Service. In the case of the Financial Institution canceling an electronic item, all scheduled payments will be canceled. 3.8.3. Recurring Payments and Transfers are those made for the same amount, on the same date, on a weekly, bi- bi-monthly, monthly basis, etc. Once started, recurring Payments and Transfers will be made automatically until you delete the Payment or Transfer or upon expiration. If the Payment is not a recurring Payment, it will be a “one- one-time Payment.” One-time Payments do not recur and are not made until you enter the Payee and amount of the current xxxx and submit the Payment. A recurring Xxxx Payment Service transaction that you want deleted must be deleted or the next Payment date changed five (5) Business Days before the current transaction date.

Xxxx Payment Service. 4.7.1. You can arrange, at your option, for the payment of your current, future and recurring bills from your designated Xxxx Pay Account. For Xxxx Payment Service, your Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you wish to pay through Xxxx Payment Service. You must Please include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurring. The Financial Institution Bank reserves the right to decline to make Payments to certain persons and entities. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will not attempt to use the Service to make these types of Payments. On recurring Payments, it is the responsibility of you the account owner or your designated authorized users to update Payee account information such as necessary to ensure receipt of paymentaddress changes, account numbers, etc. 4.7.2. Payments are posted against your ledger balance, plus the available credit on your overdraft protection, if any, or other line of credit. 3.8.14.7.3. You may schedule Payments to be initiated on the current Business Day, on a future date, or on the same date of each month. If you are scheduling a Payment for the current day it must be initiated prior to 3:00 p.m. Eastern Time (Standard or Daylight). Changes to scheduled Payments must be made before 8:00 a.m. Eastern Time (Standard or Daylight) the Business Day before the day it is to be initiated. Bank may, in its sole discretion, accelerate the effective time of any scheduled Payments or change requests. If the transaction shows an In Process statusis no longer showing as "Scheduled" or "Pending", then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Days. Funds must be available in your Account on the scheduled payment date. We may make the Payment either by transferring funds electronically to the Payee or by mailing the Payee a check. Funds will be deducted from your Account on the same Business Day for Electronic Payments. Payments made by check will be deducted from your Account when the check clears your Account. If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated on the following Business Day. The Xxxx Payment Service will indicate whether a Payee is paid electronically or by check. 3.8.2. If Payment is to be made electronically and your Account does not have sufficient funds to make a Payment as of the date the transfer or Payment is attempted or scheduled to be made, the Transfer or Payment may be canceled and no further attempt will be made by Financial Institution to make the Transfer or Payment or notify you. Financial Institution shall have no obligation or liability if it does not complete a Transfer or Payment because 3.8.3. Recurring Payments and Transfers are those made for the same amount, on the same date, on a weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and Transfers will be made automatically until you delete the Payment or Transfer or upon expiration. If the Payment is not a recurring Payment, it will be a “one- time Payment.” One-time Payments do not recur and are not made until you enter the Payee and amount of the current xxxx and submit the Payment. A recurring Xxxx Payment Service transaction that you want deleted must be deleted or the next Payment date changed five (5) Business Days before the current transaction date.four

Xxxx Payment Service. 4.7.1. You can arrange, at your option, for the payment of your current, future and recurring bills from your designated Xxxx Pay Account. For Xxxx Payment Service, your Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you wish to pay through Xxxx Payment Service. You must Please include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurring. The Financial Institution reserves the right to decline to make Payments to certain persons and entities. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will not attempt to use the Service to make these types of Payments. On recurring Payments, it is the responsibility of you the account owner or your designated authorized users to update Payee account information such as necessary to ensure receipt of paymentaddress changes, account numbers, etc. Payments are posted against your ledger balance, plus the available credit on your overdraft protection, if any, or other line of credit. 3.8.14.7.2. You may schedule Payments to be initiated on the current Business Day, on a future date, or on the same date of each month. If you are scheduling a Payment for the current day it must be initiated prior to 7:00 p.m. Eastern Time. Changes to previously scheduled Payments must be made before 7:00 p.m. EasternTime the Business Day before the day it is to be initiated. If the transaction shows an In Process (IN PROCESS) status, then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Days. Funds must be available in your Account on the scheduled payment date. We After funds are withdrawn from your Account to make a Payment, we may make the Payment either by transferring funds electronically to the Payee or by mailing the Payee a check. Funds will be deducted from your Account account on the same Business Day for Electronic Payments. Payments made by check will be deducted from your Account when the check clears your Accountaccount. If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated on the following Business Day. The Xxxx Payment Service will indicate whether a Payee is paid electronically or by check. When you create a new Payee in the Xxxx Payment service, it has a temporary status until we have had sufficient time to set up the account, and for your business Payees, verify information about your account. You should schedule a Payment to a new Payee at least five (5) Business Days before any Payment due date, to allow us time to set up the Payee and verify information about your account with the Payee. Financial Institution is not liable for any service fees or late charges levied against you due to postal delays or processing delays by the Payee. There is no limit on the number of Payees or number of Payments that may be authorized. The maximum per Payment amount is customized based upon xxxx pay activity and transactional analysis. Electronic Payments are subject to the availability of sufficient funds in the designated checking account. However, Financial Institution reserves the right to impose limits at some future date, with proper written notice. For all subsequent Payments, you agree to allow at least two (2) Business Days for electronic payments and at least five (5) Business Days for check payments between the date you schedule a Payment to be initiated and the Payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If you do not, you will be fully responsible for all late fees, finance charges or other actions taken by the Payee. If you schedule your Payment and follow all instructions provided, and the Payment is not received by the Payee in a timely manner, a representative of Financial Institution will work with the Payee on your behalf to have any late fees or charges reversed. When you schedule a Xxxx Payment that will be made by check, you authorize us to issue a check drawn on your qualified designated checking account for the requested amount. If sufficient funds are not available in your designated account when the check is presented for payment, we may refuse to honor the check and return it unpaid. At our sole discretion, we may elect to pay the check regardless of the insufficient funds. In either event, your qualified designated account will be charged our then current fee for processing insufficient items, whether the check is paid or returned, as applicable. You are responsible for any loss or penalty that you may incur due to a lack of sufficient funds or other conditions that may prevent the withdrawal of funds from your account. 3.8.24.7.3. If Payment is to be made electronically and your Account does not have sufficient funds to make a Payment as of the date the transfer or Payment is attempted or scheduled to be made, the Transfer or Payment may will be canceled and no further attempt will be made by Financial Institution to make the Transfer or Payment or notify youPayment. Financial Institution shall have no obligation or liability if it does not complete a Transfer or Payment becausebecause there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the Payment or rescheduling the Payment through the Service. In the case of recurring Payments, only the Payment currently scheduled will be canceled. Recurring Payments schedule for future dates will not be affected. 3.8.34.7.4. Recurring Payments and Transfers are those made for the same amount, on the same date, on a weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and Transfers will be made automatically until you delete the Payment or Transfer or upon expiration. If the Payment is not a recurring Payment, it will be a “one- time Payment.” One-time Payments do not recur and are not made until you enter the Payee and amount of the current xxxx and submit the Payment. A recurring Xxxx Payment Service transaction that you want deleted must be deleted or the next Payment date changed five two (52) Business Days before the current transaction date. A stop payment cannot be placed on an Electronic Xxxx Payment transaction once issued. However, a stop payment can be placed on a Xxxx Payment transaction by Xxxx Payment check any time prior to 11:00 a.m. ET on the day such check is scheduled for final payment. There is no fee for deleting a Payment initiated through Xxxx Payment; however a fee will apply for a stop on a Xxxx Payment check. In the event a Payment is returned to us for any reason, you authorize us, in our sole and absolute discretion, to either research and correct the Payment information or to void the Payment and re-credit your Account.

Xxxx Payment Service. You can arrange, at The Xxxx Payment Service permits you to use your option, for the Internet-enabled device to direct payment of your current, future and recurring bills from your designated Xxxx Pay AccountAccount to third parties you wish to pay. For Your Xxxx Pay Account must be a checking account. Through the Xxxx Payment Service, you can pay bills from your Payee list may include utility companies, merchants, financial institutions, insurance companies, Xxxx Pay Account to businesses and individuals, etc. within All payments you make will be deducted from the United States whom account you wish to pay through designate as your Xxxx Pay Account for the Xxxx Payment Service. You Any payments you wish to make through this service must include be payable in US Dollars to a payee located in the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurringcontinental United States. The Financial Institution reserves We reserve the right to decline restrict types of payees to make Payments whom payment may be made using the Xxxx Payment Service from time to certain persons and entitiestime. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will should not attempt to use the Xxxx Payment Service to make these types of Payments. On recurring Paymentspayments to settle securities purchases, it is the responsibility of you payment to interest bearing accounts, tax payments or your designated authorized users to update Payee account information as necessary to ensure receipt of paymentcourt ordered payments. Payments are posted against to these payees will be your ledger balance, plus the available credit on your overdraft protection, sole responsibility if any, delayed or other line of credit. 3.8.1. You may schedule Payments to be initiated on a future date, improperly processed or on the same date of each month. If the transaction shows an In Process status, then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Dayscredited. Funds must be available in your Xxxx Pay Account on the scheduled payment date. We If the date you schedule a payment to initiate falls on a non-business day (Saturday, Sunday or Holiday), funds must be available in your Xxxx Pay Account the following business day (e.g. Monday). After the funds are withdrawn from your Xxxx Pay Account to make a payment, we may make the Payment payment either by transferring funds electronically to the Payee payee or by mailing the Payee payee a check. Funds will be deducted from your Account on You may choose to schedule a payment to recur in the same Business Day amount on a regular weekly, monthly, or semi-monthly basis. When you create a new payee in the Xxxx Payment Service, it has a temporary status until we have had sufficient time to set up the account and for Electronic Paymentsyour business payee to verify information about your account. Payments made by You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee. For all subsequent payments, you agree to allow at least three (3) business for electronic payments and five (5) business days for check will payments between the date you schedule a payment to be deducted from initiated and the payment due date (this is, the due date shown on your Account when invoice or provided in your agreement with the check clears your Accountpayee, not taking into account any applicable grace period). If you direct do not, you will be responsible for all late fees, finance charges or other actions taken by the initiation payee. If you schedule your payment and follow all instructions provided, but the payee does not receive the payment in a timely manner, we will work with the payee on your behalf to attempt to have any late fees or charges reversed. Freedom Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorizations in accordance with this Agreement. We will not be liable in any way for damages you may incur as a result of the circumstances set forth in the heading LIABILITY" below or for any other circumstance beyond the control of Freedom Bank. If the session during which you schedule a Payment payment or transfer ends by 3:00 pm, Freedom Bank will be considered to occur have received it on a day other than a Business Daythat day. Otherwise, it will be initiated considered received on the following Business Daybusiness day. The Xxxx Payment For all entries using the service, the time recorded by the Online Banking Service will indicate whether a Payee is paid electronically or by check. 3.8.2controls. If Payment is to be made electronically and your Xxxx Pay Account does not have sufficient funds to make a Payment payment as of the date of the transfer or Payment payment is attempted or scheduled to be made, the Transfer transfer or Payment may payment will be canceled and no further attempt will be made by Financial Institution Freedom Bank to make the Transfer transfer or Payment payment. Freedom Bank will attempt to notify you by e-mail or notify you. Financial Institution US Postal Mail, but we shall have no obligation or liability if it does we do not complete a Transfer transfer or Payment because 3.8.3payment because there are insufficient funds in your account to process a transaction. Recurring Payments and Transfers In all cases, you are those made responsible for either making alternate arrangements for the same amountpayment or rescheduling the payment through the Xxxx Payment Service. In the case of fixed payments, on only the same date, on a weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and Transfers payment currently scheduled will be canceled. Fixed payments scheduled for future dates will not be affected. Payment changes or cancellations should be made automatically until through the Xxxx Payment Service. If certain information that you provided to us when setting up the Xxxx Payment Service for a payee changes, or if you wish to cancel a xxxx payment to a payee that you have scheduled, you may edit the payment information or delete the payment online via the Xxxx Payment or Transfer or upon expirationService by following the onscreen instructions in the Pending transactions" section. If the Payment payment is not listed and you ask us to cancel a recurring Paymentpayment after it is issued, it and we agree to do so, we may charge you a stop payment fee. When a payment is in process or submitted as an ACH payment you will not be able to process the stop payment. Stop payment orders, whether oral, written or electronic will be in effect for a “one- time Payment.” One-time Payments do not recur period of six (6) months. If requested by Freedom Bank, you will confirm any stop payment order in writing. After six months, any stop payment will be terminated and are not made until you enter must be renewed in order to continue in effect. Freedom Bank may pay any item that is presented following the Payee lapse of any stop payment order. Xxxx Pay daily limitation: $19,999.99. Freedom Bank currently offers the benefits and amount convenience of the current xxxx Online Banking Service and submit the Payment. A recurring Xxxx Payment Service transaction that at no cost. However, Freedom Bank reserves the right to charge a fee in its discretion in the future upon advance notice along with an opportunity for you want deleted must be deleted or to terminate the next Payment date changed five (5) Business Days before Service at your option in accordance with the current transaction dateprocedures set forth in paragraph C of Term and Termination below. You will continue to receive your regular monthly account statements from Freedom Bank.

Xxxx Payment Service. You can arrange, at your option, for the payment of your current, future and recurring bills from your designated Xxxx Pay Account. For Xxxx Payment Service, your Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you wish to pay through Xxxx Payment Service. You must include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurring. The Financial Institution reserves the right to decline to make Payments to certain persons and entities. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will not attempt to use the Service to make these types of Payments. On recurring Payments, it is the responsibility of you or your designated authorized users to update Payee account information as necessary to ensure receipt of payment. Payments are posted against your ledger balance, plus the available credit on your overdraft protection, if any, or other line of credit. 3.8.1. You may schedule Payments to be initiated on a future date, or on the same date of each month. If the transaction shows an In Process status, then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Days. Funds must be available in your Account on the scheduled payment date. We may make the Payment either by transferring funds electronically to the Payee or by mailing the Payee a check. Funds will be deducted from your Account on the same Business Day for Electronic Payments. Payments made by check will be deducted from your Account when the check clears your Account. If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated on the following Business Day. The Xxxx Payment Service will indicate whether a Payee is paid electronically or by check. 3.8.2. If When you create a new Payee in the Xxxx Payment is service, it has a temporary status until we have had sufficient time to be made electronically set up the account, and for your Account does not have sufficient funds business Payees, to make verify information about your account. You should schedule a Payment as of the date the transfer or Payment is attempted or scheduled to be made, the Transfer or Payment may be canceled and no further attempt will be made by Financial Institution to make the Transfer or Payment or notify you. Financial Institution shall have no obligation or liability if it does not complete a Transfer or Payment because 3.8.3. Recurring Payments and Transfers are those made for the same amount, on the same date, on a weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and Transfers will be made automatically until you delete the Payment or Transfer or upon expiration. If the Payment is not a recurring Payment, it will be a “one- time Payment.” One-time Payments do not recur and are not made until you enter the new Payee and amount of the current xxxx and submit the Payment. A recurring Xxxx Payment Service transaction that you want deleted must be deleted or the next Payment date changed at least five (5) Business Days before any Payment due date, to allow us time to set up the current transaction date.Payee and verify information about your account with the Payee. Financial Institution is not liable for any service fees or late charges levied against you due to postal delays or processing delays by the Payee. There is no limit on the number of Payees or number of Payments that may be authorized. The maximum per Payment amount is $9,999.99 for check Payments and the minimum per Payment amount is $0.01; provided, that the Financial Institution may change these limits from time to time, in its sole discretion, without notice to you. Electronic Payments are subject to the availability of sufficient funds in the designated checking Account. For all subsequent Payments, you agree to allow at least three (3) Business Days for Electronic Payments and at least five

Xxxx Payment Service. 4.1.1. You can arrange, at your option, for the payment of your current, future and recurring bills from your designated Xxxx Pay Payment Account. For Xxxx Payment Service, your Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you wish to pay through Xxxx Payment Service. You must Please include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurring. The Financial Institution Bank reserves the right to decline to make Payments to certain persons and entities. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will not attempt to use the Service to make these types of Payments. On recurring Payments, it is the responsibility of you the account owner or your designated authorized users to update Payee account information such as necessary to ensure receipt of paymentaddress changes, account numbers, etc. 4.1.2. Payments are posted against your ledger balance, plus the available credit on your overdraft protection, if any, or other line of credit. 3.8.14.1.3. You may schedule Payments to be initiated on the current Business Day, on a future date, or on the same date of each month. If you are scheduling a Payment for the current day it must be initiated prior to 3:00 p.m. Central Time (Standard or Daylight). Changes to scheduled Payments must be made before 8:00 a.m. Central Time (Standard or Daylight) the Business Day before the day it is to be initiated. If the transaction shows an In Process is no longer showing a "Scheduled Payments" status, then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service twenty-twenty- four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Days. Funds must be available in your Account on the scheduled payment date. We After funds are withdrawn from your Account to make a Payment, we may make the Payment either by transferring funds electronically to the Payee or by mailing the Payee a checkCheck. Funds will be deducted from your Account on account (whether we make these Payments electronically or by Check) on: (a) the Business Day we process the Xxxx Pay request, if you schedule a Payment for processing the same Business Day as the day of receipt by us of that request; and (b) the Business Day immediately preceding the date you schedule a Payment for Electronic Payments. Payments made processing, if the xxxx payment is future dated (that is, set by check will be deducted from your Account when the check clears your Account. you for processing on a future date) If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated on the following previous Business Day. The Xxxx Payment Service will indicate whether a Payee is paid electronically or by checkCheck. 3.8.2. If Payment is to be made electronically and your Account does not have sufficient funds to make a Payment as of the date the transfer or Payment is attempted or scheduled to be made, the Transfer or Payment may be canceled and no further attempt will be made by Financial Institution to make the Transfer or Payment or notify you. Financial Institution shall have no obligation or liability if it does not complete a Transfer or Payment because 3.8.3. Recurring Payments and Transfers are those made for the same amount, on the same date, on a weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and Transfers will be made automatically until you delete the Payment or Transfer or upon expiration. If the Payment is not a recurring Payment, it will be a “one- time Payment.” One-time Payments do not recur and are not made until you enter the Payee and amount of the current xxxx and submit the Payment. A recurring Xxxx Payment Service transaction that you want deleted must be deleted or the next Payment date changed five (5) Business Days before the current transaction date.

Xxxx Payment Service. You can arrangeWhen you pay a xxxx through CitiBusiness Online, at your option, for you authorize Citibank to withdraw the payment of your current, future and recurring bills necessary funds from your designated Xxxx Pay Account. For Xxxx Payment Service, your Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom Citibank account you wish to pay through Xxxx Payment Service. You must include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurring. The Financial Institution reserves the right to decline to make Payments to certain persons and entitiesdesignate. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will not attempt to use the Service instruct Citibank to make these types of Payments. On recurring Payments, it a withdrawal only when a sufficient balance is the responsibility of you or your designated authorized users to update Payee account information as necessary to ensure receipt of payment. Payments are posted against your ledger balance, plus the available credit on your overdraft protection, if any, or other line of credit. 3.8.1. You may schedule Payments to be initiated on a future date, or on the same date of each month. If the transaction shows an In Process status, then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Days. Funds must will be available in your Account designated account at the time of withdrawal. Citibank will not be obligated to act on any withdrawal instruction from you if sufficient funds, including overdraft lines of credit, are not available in the scheduled account you designate. Citibank processes an online xxxx payment daterequest in one of two ways: 1. We may make the Payment either by By transferring funds electronically to the Payee or payee electronically 2. By sending a Citibank bank check through the U.S. mail to individual payees If the payment is made by mailing check, you should allow at least 5-7 business days for the Payee a checkpayee to receive payment. Funds will Checks are mailed via USPS First-Class Mail. Please note that checks are mailed without postmark, as Citibank uses pre- printed envelopes with postal permit numbers for mailing. In addition, please be deducted aware that many payees – including government agencies – do not accept electronic payments initiated from your Account on the same Business Day for Electronic Paymentsonline banking websites. Payments Because payments to government agencies are commonly made by check will be deducted (e.g. for payment of taxes), we recommend that you schedule your payments with this in mind as Citibank is not responsible for any fees you may incur as a result of a late delivery of a check through the postal system. For an electronic funds transfer, we generally deduct the money from your Account account on the payment date you select when you set up the xxxx payment, and we electronically transmit the payment to the payee on that day; however, if you specify a date that falls on a Saturday, Sunday, or holiday, we will deduct the money from your account on that day and electronically transmit it to the payee on the next business day. In the case of payments made by Citibank bank check, we generally deduct the money from your account on the payment date you select when you set up the xxxx payment and mail the check clears on that day (including Saturdays); However, if you specify a date that falls on a Sunday or holiday, we will deduct the money from your Accountaccount on that day and mail the check on the next business day. Citibank is not responsible for postal delays or processing delays by the payee. If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated there are insufficient funds available in your designated account on the following Business Day. The Xxxx Payment Service will indicate whether day a Payee xxxx payment is paid electronically or by check. 3.8.2. If Payment is to be made electronically and your Account does not have sufficient funds to make a Payment as of the date the transfer or Payment is attempted or scheduled to be made, the Transfer or Payment may be canceled and no further Citibank will automatically attempt to debit your designated account for five consecutive days. A message will be made by Financial Institution to make sent each day funds are insufficient. After the Transfer or Payment or notify you. Financial Institution shall have no obligation or liability if it does not complete a Transfer or Payment because 3.8.3. Recurring Payments and Transfers are those made for fifth attempt, the same amount, on the same date, on a weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and Transfers payment will be made automatically until canceled. You can cancel a future xxxx payment through CitiBusiness Online or by writing or calling Citibank at the address/phone numbers listed in Section S of this Agreement. We must receive your notice by 11:59 p.m. Eastern Time of the day prior to the date you delete the Payment specified for such payment or Transfer or upon expirationtransfer. If the Payment is not a recurring PaymentWe may ask you to confirm phone instructions in writing within two weeks. For details on current rules, it will be a “one- time Payment.” One-time Payments do not recur policies, and are not made until you enter the Payee procedures for processing xxxx payments (including limitations on frequency and dollar amount of the current xxxx and submit the Payment. A recurring Xxxx Payment Service transaction that you want deleted must be deleted or the next Payment date changed five (5transactions) Business Days before the current transaction daterefer to CitiBusiness Online Help.

Xxxx Payment Service. You can arrange, at your option, for the payment of your current, future and recurring bills from your designated Xxxx Pay Account. For Xxxx Payment Service, your Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you wish to pay through Xxxx Payment Service. You must include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurring. The Financial Institution reserves the right to decline to make Payments to certain persons and entities. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will not attempt to use the Service to make these types of Payments. On recurring Payments, it is the responsibility of you or your designated authorized users to update Payee account information as necessary to ensure receipt of payment. Payments are posted against your ledger balance, plus the available credit on your overdraft protection, if any, or other line of credit. 3.8.1. You may schedule Payments to be initiated on a future date, or on the same date of each month. If the transaction shows an In Process status, then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Days. Funds must be available in your Account on the scheduled payment date. We may make the Payment either by transferring funds electronically to the Payee or by mailing the Payee a check. Funds will be deducted from your Account on the same Business Day for Electronic Payments. Payments made by check will be deducted from your Account when the check clears your Account. If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated on the following Business Day. The Xxxx Payment Service will indicate whether a Payee is paid electronically or by check. When you create a new Payee in the Xxxx Payment service, it has a temporary status until we have had sufficient time to set up the account, and for your business Payees, to verify information about your account. You should schedule a Payment to a new Payee at least five (5) Business Days before any Payment due date, to allow us time to set up the Payee and verify information about your account with the Payee. Financial Institution is not liable for any service fees or late charges levied against you due to postal delays or processing delays by the Payee. There is no limit on the number of Payees or number of Payments that may be authorized. The maximum per Payment amount is $9,999.99 for check Payments and the minimum per Payment amount is $0.01; provided, that the Financial Institution may change these limits from time to time, in its sole discretion, without notice to you. Electronic Payments are subject to the availability of sufficient funds in the designated checking Account. For all subsequent Payments, you agree to allow at least three (3) Business Days for Electronic Payments and at least five (5) Business Days for check Payments between the date you schedule a Payment to be initiated and the Payment due date (that is, the due date shown on your invoice or provided in your agreement with the Payee, not taking into account any applicable grace period). In no event will Financial Institution be responsible for any late fees, finance charges or other actions taken by the Payee, regardless of when you initiate the Payment. When you schedule a Xxxx Payment that will be made by check, you authorize us to issue a check drawn on your qualified designated checking Account for the requested amount. If sufficient funds are not available in your designated Account when the check is presented for payment, we may refuse to honor the check and return it unpaid. At our sole discretion, we may elect to pay the check regardless of the insufficient funds. In either event, your qualified designated Account will be charged our then current fee for processing insufficient items, whether the check is paid or returned, as applicable. You are responsible for any loss or penalty that you may incur due to a lack of sufficient funds or other conditions that may prevent the withdrawal of funds from your Account. 3.8.2. If Payment is to be made electronically and your Account does not have sufficient funds to make a Payment as of the date the transfer or Payment is attempted or scheduled to be made, the Transfer or Payment may be canceled and no further attempt will be made by Financial Institution to make the Transfer or Payment or notify you. Financial Institution shall have no obligation or liability if it does not complete a Transfer or Payment becausebecause there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the Payment or rescheduling the Payment through the Service. In the case of the Financial Institution canceling an electronic item, all scheduled payments will be canceled. 3.8.3. Recurring Payments and Transfers are those made for the same amount, on the same date, on a weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and Transfers will be made automatically until you delete the Payment or Transfer or upon expiration. If the Payment is not a recurring Payment, it will be a “one- one-time Payment.” One-time Payments do not recur and are not made until you enter the Payee and amount of the current xxxx and submit the Payment. A recurring Xxxx Payment Service transaction that you want deleted must be deleted or the next Payment date changed five (5) Business Days before the current transaction date. A stop payment cannot be placed on an Electronic Xxxx Payment transaction once issued. However, a stop payment can be placed on a Xxxx Payment transaction by Xxxx Payment check any time prior to 4:00 p.m. Central Time on the day such check is scheduled for final payment. There is no fee for deleting an electronic Payment initiated through Xxxx Payment; however a fee will apply for a stop on a Xxxx Payment check. In the event a Payment is returned to us for any reason, you authorize us, in our sole and absolute discretion, to either research and correct the Payment information or to void the Payment and re-credit your Account.

Xxxx Payment Service. This Agreement is also your xxxx payment service agreement with Advia Credit Union. You can arrangemay use Advia Credit Union’s xxxx paying service, at your option(“Xxxx Pay”), for the payment of your current, future and recurring bills to direct Advia Credit Union to make payments from your designated checking account to the Merchants you choose in accordance with this Agreement. When you sign onto Xxxx Pay Account. For Xxxx Payment Service, you will establish your list of Merchants by selecting the Add button on the Set up Accounts and Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you wish to pay through Xxxx Payment Servicescreen. You must include may add a new fixed payment for any Merchant, but only if they are on your authorized list of payees. If the full name of Merchant is not set up for electronic payments, the Payee and service will generate a complete mailing address and telephone number paper check for each Payee, along with payment. The check will carry your account number with the Payee, the amount of the Payment, and whether the will clear directly through your Payment is recurringAccount. The Financial Institution A unique check number will appear on your statement for easy recognition. Advia Credit Union reserves the right to decline to make Payments to certain persons and entitiesrefuse the designation of a Merchant for any reason. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will Advia Credit Union is not attempt to use the Service to make these types of Payments. On recurring Payments, it is the responsibility of you or your designated authorized users to update Payee account information as necessary to ensure receipt of payment. Payments are posted against your ledger balance, plus the available credit on your overdraft protection, responsible if any, or other line of credit. 3.8.1. You may schedule Payments to be initiated on a future date, or on the same date of each month. If the transaction shows an In Process status, then the Payment xxxx payment cannot be modified made due to incomplete, incorrect, or deletedoutdated information provided by you regarding a Merchant or if you attempt to pay a Merchant that is not on your authorized payee list. Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Days. Funds must be available in your Account Advia Credit Union will process variable payments on the scheduled Business Day you designate the xxxx is to be processed, provided the payment date. We may make the Payment either by transferring funds electronically request is received prior to the Payee cut-off time set by Advia Credit Union, which is currently 3:00 p.m. Variable xxxx payment requests received after the Business Day cut-off time or by mailing the Payee at any time on a check. Funds non-Business Day will be deducted from your Account processed on the same Business Day for Electronic Payments. Payments made by check will be deducted from your Account when the check clears your Account. If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated on the following next Business Day. The Xxxx Payment Service Advia Credit Union reserves its right to change the cut-off time by giving you notice of such change in the manner provided for in this Agreement. FOR RECURRING PAYMENT REQUESTS, IF YOU DESIGNATE A PROCESSING DATE OF THE 28TH THROUGH THE 31ST OF A MONTH, YOU MUST SELECT THE OPTION OF "LAST BUSINESS DAY" FOR PROCESSING TO BE INITIATED ON THE LAST CALENDAR DAY OF THE MONTH. Otherwise, recurring payment requests will indicate whether be processed on the dates you have designated, unless such date falls on a Payee is paid electronically or by check. 3.8.2non-Business Day resulting in your payment being processed on the next Business Day. If Payment is YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, FOR EACH XXXX PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANT. (IT IS THE RESPONSIBILITY OF THE SUBSCRIBER TO SCHEDULE/ACTIVATE RECURRING PAYMENTS). Due to be made electronically and circumstances beyond our control, some Merchants take longer to post payments than others. We suggest sending your Account does not first payment eight (8) Business Days in advance of the due date for such payment. After your first payment has posted you will have sufficient funds a better understanding of how much time to make allow for each Merchant to post payments. You must select a Payment as of the date the transfer or Payment Date that is attempted or scheduled to be made, the Transfer or Payment may be canceled and no further attempt will be made by Financial Institution to make the Transfer or Payment or notify you. Financial Institution shall have no obligation or liability if it does not complete a Transfer or Payment because 3.8.3. Recurring Payments and Transfers are those made for the same amount, on the same date, on a weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and Transfers will be made automatically until you delete the Payment or Transfer or upon expiration. If the Payment is not a recurring Payment, it will be a “one- time Payment.” One-time Payments do not recur and are not made until you enter the Payee and amount of the current xxxx and submit the Payment. A recurring Xxxx Payment Service transaction that you want deleted must be deleted or the next Payment date changed at least five (5) Business Days before the current actual due date reflected on the statement you receive from your Payee. 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 prior to any late payment date or grace period. When you have scheduled a payment, you authorize Advia Credit Union to debit your Payment Account and remit 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 us to credit the Payment Account on account of any returned payments from using Xxxx Pay. Xxxx Pay will incur no liability and any service guarantee shall be void if Xxxx Pay is unable to complete any payments initiated because of any of the following: • You have not provided Xxxx Pay with the correct payment account information, or the correct name, address, phone number, or account information for the Merchant upon initiation of the payment; and/or, • Circumstances beyond the control of Xxxx Pay (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and Xxxx Pay has taken reasonable precautions to avoid those circumstances; • The payment-processing center is not working properly and you know or have been advised by Xxxx Pay about the malfunction before you execute the transaction; You agree to have available and collected funds on deposit in the designated Payment Account in amounts sufficient to pay for all xxxx payments requested, as well as, any other payment obligations you have to Advia Credit Union. Advia Credit Union 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 Advia Credit Union 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 that Advia Credit Union, at its option, may charge any of your accounts with Advia Credit Union to cover such payment obligations. Xxxx Pay reserves the right to select the method in which to remit funds on your behalf to your Merchant. Any xxxx payment can be changed or canceled, provided you access the Services prior to the cut-off time on the Business Day prior to the Business Day the xxxx payment is going to be initiated. Your wireless carrier's standard messaging rates apply to SMS correspondence. We do not charge for any content; however, downloadable content may incur additional charges from your wireless carrier. Please contact your wireless carrier for information about your messaging plan. Your carrier may impose message or charge limitations on your account that are outside of our control. All charges are billed by and payable to your Wireless Carrier and are your sole responsibility. You represent that you are the owner, or authorized user of the wireless device you use to receive the service, and that you are authorized to approve the applicable charges. We will send you a message only once, and only with your explicit agreement as indicated by your continuation of the process flow. We will not be liable for any delays or failures in your receipt of any SMS messages as delivery is subject to effective transmission from your network operator and processing by your mobile device. SMS message services are provided on an AS IS, AS AVAILABLE basis. Data obtained from you in connection with the SMS service may include your mobile phone number, your carrier's name, and the date, time, and content of your messages and other information that you may provide. We may use this information to contact you and to provide the services you request from us, and to otherwise operate, develop, and improve the Services. Your wireless carrier and other service providers may also collect data from your SMS usage, and their practices are governed by their own policies. We will only use the information you provide to the Services to transmit your text message or as otherwise described in this Agreement. Nonetheless, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation, or governmental request, to avoid liability, or to protect our rights or property. When you complete forms online or otherwise provide us information in connection with the Services, you agree to provide accurate, complete, and true information. The Services, as well as the content and materials received through the Services, are proprietary to us and our licensors, and are for your personal and non-commercial use only. You shall not damage, impair, reverse engineer, interfere with, or disrupt the service or its functionality in any way. The Services are available only in the United States. We reserve the right to alter charges and/or these terms and conditions from time to time. We may suspend or terminate the service to you if we believe you are in breach of this Agreement, our terms and conditions, or any terms and conditions provided by our third party service providers. Your access to the Services is also subject to termination in the event your wireless service terminates or lapses. We may discontinue the Services at any time. Advia Credit Union offers the ability to send money online through PayPal. The PayPal services will allow you to transfer funds to another PayPal user online through your designated Payment Account. We offer this service through PayPal, which is a third party service provider. If you use this service, you may need to create an account with PayPal and will be bound the terms and conditions, as well as any user agreements, provided by PayPal. In using the Services, including Xxxx Pay, you understand that the Services and/or the United States Postal Service may return payments for various reasons, such as, but not limited to: the account number being invalid; the Services being unable to locate the account; or the payee account being paid in full. The Services will use its best efforts to research and correct the returned payment, or void the payment and credit your Payment Account. You may receive a notification from the Services concerning such changes. There is no fee for the Services; this is a FREE service with all retail accounts. However, the following charges may apply: • Return deposit items due to customer error $4.00 per item • Stop Payment Fee $20.00 per item • Incoming Collections $20.00 per item • Statement Reconciliation $25.00 per item Additional fees are listed in our Account Fee Schedule brochure. Advia Credit Union 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 included, or, received when you opened your account, which discloses important information concerning your rights and obligations. We will automatically deduct any fees related to the Services from your account each month.

Xxxx Payment Service. You can arrange, at your option, for the (a) For each payment of your current, future and recurring bills from your designated Xxxx Pay Account. For Xxxx Payment Service, your Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you wish to pay through Xxxx Payment Service. You must include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurring. The Financial Institution reserves the right to decline to make Payments to certain persons and entities. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will not attempt to use the Service to make these types of Payments. On recurring Payments, it is the responsibility of you or your designated authorized users to update Payee account information as necessary to ensure receipt of payment. Payments are posted against your ledger balance, plus the available credit on your overdraft protection, if any, or other line of credit. 3.8.1. You may schedule Payments to be initiated on a future date, or on the same date of each month. If the transaction shows an In Process status, then the Payment cannot be modified or deleted. Although you can enter Payment information requested through the Service twenty-four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Days. Funds must be available in your Account on the scheduled payment date. We may make the Payment either by transferring funds electronically to the Payee or by mailing the Payee a check. Funds will be deducted from your Account on the same Business Day for Electronic Payments. Payments made by check will be deducted from your Account when the check clears your Account. If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated on the following Business Day. The Xxxx Payment Service will indicate whether a Payee is paid electronically or by check. 3.8.2. If (“Xxxx Payment”), the following information must be designated: the checking Account at Bank from which the Xxxx Payment is to be made electronically (“Payment Account”); the payee’s complete name; the payee-assigned account number; and your Account does not have sufficient funds to make a Payment the payee’s remittance address (all exactly as shown on the billing statement or invoice); the amount of the Xxxx Payment; and the date you want the transfer or Xxxx Payment to be debited from your Payment Account. Only a payee that has been established through Online Banking may be designated. You agree that neither you nor any User shall request a Xxxx Payment to a payee outside the United States. If a Xxxx Payment is attempted or scheduled to be madedebited from your Payment Account on a day that is not a Business Day, your Payment Account will be debited the Transfer previous Business Day before 5:00 PM (Eastern Standard Time). You agree that, based upon instructions Bank receives under your login ID and password, Bank may charge your Payment Account by electronic transfer, “no signature required draft,” or by debiting and remitting funds on your behalf. Bank reserves the right to refuse to pay any payee. If Bank does refuse to pay a payee, it will provide notice of such refusal. (b) Xxxx Payment will show you the earliest “Deliver By” date that a payment may be canceled and sent to a Xxxxxx. You must select a “Deliver By” date that is no further attempt will be made by Financial Institution to make later than the Transfer or Payment or notify you. Financial Institution shall have no obligation or liability if it does not complete a Transfer or Payment because 3.8.3. Recurring Payments and Transfers are those made for the same amount, due date reflected on the same date, on a weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and Transfers will be made automatically until you delete the Payment or Transfer or upon expirationyour Xxxxxx’x statement. If the Payment due date is not on a recurring Paymentnon- Business Day, it will be you must select a “one- time PaymentDeliver By” date that is at least one (1) Business Day before the Xxxxxx’x due date.” One-time Payments do (c) Bank will choose the method by which payments are sent to a Billers (i.e., electronically, by check or otherwise). If the payee is to be paid by paper check, you understand and agree that paper checks are mailed to the payee and that the payee may not recur and are not made until you enter receive the Payee and amount of the current xxxx and submit the Payment. A recurring Xxxx Payment Service transaction that you want deleted must be deleted or the next Payment date changed until five (5) to eight (8) Business Days after the date the check is mailed. If the payee is to be paid electronically, you understand and agree that the payee may not receive the Xxxx Payment until three (3) to four (4) Business Days after the date the Xxxx Payment is debited from the Payment Account. You understand and agree that Bank is not responsible for the timely delivery of mail or the improper transmission or handling of Xxxx Payments by third parties. (d) To cancel a Xxxx Payment other than a preauthorized electronic fund transfer, you or a User must cancel the Xxxx Payment via Online Banking (by following the onscreen instructions) before 5:00 PM (Eastern Standard Time) on the date the Xxxx Payment is scheduled to be debited from your Payment Account. For instructions on canceling or stopping a preauthorized electronic fund transfer, see Section 10, below. If Bank has chosen to make a Xxxx Payment by means of a paper check, you or a User may also be able to stop payment on the paper check by calling Bank at 000-000-0000 or toll free at 000-000-0000 or following the instructions in Online Banking. The stop payment request must precisely identify the name of the payee, the payee-assigned account number, the amount and scheduled date of the Xxxx Payment, and the ID number from the Xxxx Payment “scheduled payments” screen. You will incur regular stop payment charges as disclosed in the current transaction datefee schedule for the applicable Account. (e) You agree not to enter any agreements where one of the purposes is to generate late payment fees. The risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you in the event you do not follow the procedures. Bank, through its third party service provider, may be liable for any late payment related charges up to $50.00 should a payment post after its due date as long as you schedule the payment in accordance with this Agreement. Bank will have no liability if the Account does not contain sufficient funds, the payment processing center is not working properly and you know or have been advised about the malfunction prior to execution of the transaction, the information you provided regarding the Xxxxxx is inaccurate, or for circumstances outside the control of Bank. Bank discourages you from using Xxxx Payment to make tax payments and court ordered payments. Bank will not be liable for any late payment charges related to these types of payments regardless of whether you followed the scheduling requirements set forth in this Agreement. (f) To the extent the automated clearinghouse network is used to facilitate a Xxxx Payment (typically, Xxxx Payments sent electronically), you agree to be bound by the NACHA Rules. Further you agree no Xxxx Payment violates or will violate any Applicable Laws.

Xxxx Payment Service. You can arrange, at your option, for the payment of your current, future and recurring bills from your designated Xxxx Pay Account. For Xxxx Payment Service, your Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you wish to pay through Xxxx Payment Service. You must Please include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurring. The Financial Institution Bank reserves the right to decline to make Payments to certain persons and entities. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will not attempt to use the Service to make these types of Payments. On recurring Payments, it is the responsibility of you the account owner or your designated authorized users to update Payee account information such as necessary to ensure receipt of paymentaddress changes, account numbers, etc. Payments are posted against your ledger balance, plus the available credit on your overdraft protection, if any, or other line of credit. 3.8.1. You may schedule Payments to be initiated on the current Business Day, on a future date, or on the same date of each month. Changes to previously scheduled Payments must be made before 12:00 P.M. CST the Business Day before the day it is to be initiated. If the transaction shows an In Process (IN PROCESS) status, then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Days. Funds must be available in your Account on the scheduled payment date. We may make the Payment either by transferring funds electronically to the Payee or by mailing the Payee a check. Funds will be deducted from your Account on the same Business Day for Electronic Payments. Payments made by check will be deducted from your Account when the check clears your Account. If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated on the following Business Day. The Xxxx Payment Service will indicate whether a Payee is paid electronically or by check. 3.8.2. If Payment is to be made electronically and your Account does not have sufficient funds to make a Payment as of the date the transfer or Payment is attempted or scheduled to be made, the Transfer or Payment may be canceled and no further attempt will be made by Financial Institution to make the Transfer or Payment or notify you. Financial Institution shall have no obligation or liability if it does not complete a Transfer or Payment because 3.8.3. Recurring Payments and Transfers are those made for the same amount, on the same date, on a weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and Transfers will be made automatically until you delete the Payment or Transfer or upon expiration. If the Payment is not a recurring Payment, it will be a “one- time Payment.” One-time Payments do not recur and are not made until you enter the Payee and amount of the current xxxx and submit the Payment. A recurring Xxxx Payment Service transaction that you want deleted must be deleted or the next Payment date changed five (5) Business Days before the current transaction date.four

Xxxx Payment Service. You can arrange, at The Xxxx Payment Service permits you to use your option, for the Internet-enabled device to direct payment of your current, future and recurring bills from your designated Xxxx Pay AccountAccount to third parties you wish to pay. For Your Xxxx Pay Account must be a checking account. Through the Xxxx Payment Service, you can pay bills from your Payee list may include utility companies, merchants, financial institutions, insurance companies, Xxxx Pay Account to businesses and individuals, etc. within All payments you make will be deducted from the United States whom account you wish to pay through designate as your Xxxx Pay Account for the Xxxx Payment Service. You Any payments you wish to make through this service must include be payable in US Dollars to a payee located in the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurringcontinental United States. The Financial Institution reserves We reserve the right to decline restrict types of payees to make Payments whom payment may be made using the Xxxx Payment Service from time to certain persons and entitiestime. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will should not attempt to use the Xxxx Payment Service to make these types of Payments. On recurring Paymentspayments to settle securities purchases, it is the responsibility of you payment to interest bearing accounts, tax payments or your designated authorized users to update Payee account information as necessary to ensure receipt of paymentcourt ordered payments. Payments are posted against to these payees will be your ledger balance, plus the available credit on your overdraft protection, sole responsibility if any, delayed or other line of credit. 3.8.1. You may schedule Payments to be initiated on a future date, improperly processed or on the same date of each month. If the transaction shows an In Process status, then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Dayscredited. Funds must be available in your Xxxx Pay Account on the scheduled payment date. We If the date you schedule a payment to initiate falls on a non-business day (Saturday, Sunday or Holiday), funds must be available in your Xxxx Pay Account the following business day (e.g. Monday). After the funds are withdrawn from your Xxxx Pay Account to make a payment, we may make the Payment payment either by transferring funds electronically to the Payee payee or by mailing the Payee payee a check. Funds will be deducted from your Account on You may choose to schedule a payment to recur in the same Business Day amount on a regular weekly, monthly, or semi-monthly basis. When you create a new payee in the Xxxx Payment Service, it has a temporary status until we have had sufficient time to set up the account and for Electronic Paymentsyour business payee to verify information about your account. Payments made by You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee. For all subsequent payments, you agree to allow at least three (3) business for electronic payments and five (5) business days for check will payments between the date you schedule a payment to be deducted from initiated and the payment due date (this is, the due date shown on your Account when invoice or provided in your agreement with the check clears your Accountpayee, not taking into account any applicable grace period). If you direct do not, you will be responsible for all late fees, finance charges or other actions taken by the initiation payee. If you schedule your payment and follow all instructions provided, but the payee does not receive the payment in a timely manner, we will work with the payee on your behalf to attempt to have any late fees or charges reversed. Freedom Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorizations in accordance with this Agreement. We will not be liable in any way for damages you may incur as a result of the circumstances set forth in the heading LIABILITY" below or for any other circumstance beyond the control of Freedom Bank. If the session during which you schedule a Payment payment or transfer ends by 3:00 pm, Freedom Bank will be considered to occur have received it on a day other than a Business Daythat day. Otherwise, it will be initiated considered received on the following Business Daybusiness day. The Xxxx Payment For all entries using the service, the time recorded by the Online Banking Service will indicate whether a Payee is paid electronically or by check. 3.8.2controls. If Payment is to be made electronically and your Xxxx Pay Account does not have sufficient funds to make a Payment payment as of the date of the transfer or Payment payment is attempted or scheduled to be made, the Transfer transfer or Payment may payment will be canceled and no further attempt will be made by Financial Institution Freedom Bank to make the Transfer transfer or Payment payment. Freedom Bank will attempt to notify you by e-mail or notify you. Financial Institution US Postal Mail, but we shall have no obligation or liability if it does we do not complete a Transfer transfer or Payment because 3.8.3payment because there are insufficient funds in your account to process a transaction. Recurring Payments and Transfers In all cases, you are those made responsible for either making alternate arrangements for the same amountpayment or rescheduling the payment through the Xxxx Payment Service. In the case of fixed payments, on only the same date, on a weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and Transfers payment currently scheduled will be canceled. Fixed payments scheduled for future dates will not be affected. Payment changes or cancellations should be made automatically until through the Xxxx Payment Service. If certain information that you provided to us when setting up the Xxxx Payment Service for a payee changes, or if you wish to cancel a xxxx payment to a payee that you have scheduled, you may edit the payment information or delete the payment online via the Xxxx Payment or Transfer or upon expirationService by following the onscreen instructions in the Pending transactions" section. If the Payment payment is not listed and you ask us to cancel a recurring Paymentpayment after it is issued, it and we agree to do so, we may charge you a stop payment fee. Stop payment orders, whether oral, written or electronic will be in effect for a “one- time Payment.” One-time Payments do not recur period of six (6) months. If requested by Freedom Bank, you will confirm any stop payment order in writing. After six months, any stop payment will be terminated and are not made until you enter must be renewed in order to continue in effect. Freedom Bank may pay any item that is presented following the Payee lapse of any stop payment order. Xxxx Pay daily limitation: $19,999.99. Freedom Bank currently offers the benefits and amount convenience of the current xxxx Online Banking Service and submit the Payment. A recurring Xxxx Payment Service transaction that at no cost. However, Freedom Bank reserves the right to charge a fee in its discretion in the future upon advance notice along with an opportunity for you want deleted must be deleted or to terminate the next Payment date changed five (5) Business Days before Service at your option in accordance with the current transaction dateprocedures set forth in paragraph C of Term and Termination below. You will continue to receive your regular monthly account statements from Freedom Bank.

Xxxx Payment Service. You can arrange, at your option, for the payment of your current, future and recurring bills from your designated Xxxx Pay Account. For Xxxx Payment Service, your Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you wish to pay through Xxxx Payment Service. You must include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurring. The Financial Institution reserves the right to decline to make Payments to certain persons and entities. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will not attempt to use the Service to make these types of Payments. On recurring Payments, it is the responsibility of you or your designated authorized users to update Payee account information as necessary to ensure receipt of payment. Payments are posted against your ledger balance, plus the available credit on your overdraft protection, if any, or other line of credit. 3.8.1. You may schedule Payments to be initiated on a future date, or on the same date of each month. If the transaction shows an In Process status, then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Financial Institution only initiates a Payment on Business Days. Funds must be available in your Account on the scheduled payment date. We may make the Payment either by transferring funds electronically to the Payee or by mailing the Payee a check. Funds will be deducted from your Account on the same Business Day for Electronic Payments. Payments made by check will be deducted from your Account when the check clears your Account. If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated on the following Business Day. The Xxxx Payment Service will indicate whether a Payee is paid electronically or by check. 3.8.2. If Payment is to be made electronically and your Account does not have sufficient funds to make a Payment as of the date the transfer or Payment is attempted or scheduled to be made, the Transfer or Payment may be canceled and no further attempt will be made by Financial Institution to make the Transfer or Payment or notify you. Financial Institution shall have no obligation or liability if it does not complete a Transfer or Payment becausebecause there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the Payment or rescheduling the Payment through the Service. In the case of the Financial Institution canceling an electronic item, all scheduled payments will be canceled. 3.8.3. Recurring Payments and Transfers are those made for the same amount, on the same date, on a weekly, bi- bi - monthly, monthly basis, etc. Once started, recurring Payments and Transfers will be made automatically until you delete the Payment or Transfer or upon expiration. If the Payment is not a recurring Payment, it will be a “one- one-time Payment.” One-time Payments do not recur and are not made until you enter the Payee and amount of the current xxxx and submit the Payment. A recurring Xxxx Payment Service transaction that you want deleted must be deleted or the next Payment date changed five (5) Business Days before the current transaction date.