Common use of Activation Clause in Contracts

Activation. Upon activation of the electronic bill feature we may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We will attempt to present all of your electronic bills promptly. In addition to notification within Billpayer, we may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – You agree to hold us harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU is not responsible for the accuracy of your electronic bill(s). We are only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling (▇▇▇) ▇▇▇-▇▇▇▇ or from USA to Guam ▇-▇▇▇-▇▇▇-▇▇▇▇ during customer service hours.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ Biller to ▇▇▇▇▇▇Biller. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇Biller. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling (▇▇▇) ▇▇▇-▇▇▇▇ during customer service hours.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling ▇▇▇-▇▇▇-▇▇▇▇ during Member Service hours.

Activation. Upon activation of the electronic bill feature we feature, Pay Bills may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated, it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - – Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billersbillers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We will attempt to present all of your electronic bills promptly. In addition to notification within Billpayer, we may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may also cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We Pay Bills will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We Pay Bills will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – You agree to hold us Pay Bills harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU Pay Bills is not responsible for the accuracy of your electronic bill(s). We are Pay Bills is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly.

Activation. Upon activation of the electronic bill feature we feature, the Service may notify the ▇▇▇▇▇▇ Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ Payee to ▇▇▇▇▇▇ Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated, it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ Payee shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ Payee on your behalf. For some BillersPayees, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇Payee. By providing us with such information, you authorize us to use the information to obtain your bill data. Cash Management Support Department FM 299 Notification – We The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail email notification to the e-mail email address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ Payee to ▇▇▇▇▇▇Payee. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – The electronic ▇▇▇▇▇▇ Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ Payee to ▇▇▇▇▇▇Payee. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇Payee. We The Service will notify your electronic ▇▇▇▇▇▇(sPayee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – You agree to hold us the Service harmless should the ▇▇▇▇▇▇ Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly. ▇▇▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ Payee directly. This Agreement does not alter your liability or obligations that currently exist between you and your Payees.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password pass- word for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring ensur- ing timely payment of all bills. Cancellation of electronic bill notification – The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic elec- tronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellationcancella- tion. Non-Delivery of electronic bill(s) – You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ Biller to ▇▇▇▇▇▇Biller. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇Biller. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling ▇▇▇.▇▇▇.▇▇▇▇, ext. 6631 during member service hours.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling 186-NETSPEND (▇-▇▇▇-▇▇▇-▇▇▇▇) during customer service hours.

Activation. Upon activation of the electronic bill feature we the Service provider may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service provider will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service provider may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service provider will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service provider will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service provider harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service provider is not responsible for the accuracy of your electronic bill(s). We are The Service provider is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. You are solely responsible for controlling the safekeeping of and access to your user identification, password or other means to access your account. You agree not to give out or make available your user identification, password, access code, authenticating image or other means to access your account to any unauthorized individuals. You are responsible for all Payment transactions authorized by you or by anyone to whom you provide access to your Funding account. You are liable for all Payment transactions you make or that you authorize another person to make even if that person exceeds his or her authority. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you should notify the Financial Institution at once by calling ▇-▇▇▇-▇▇▇-▇▇▇▇ If you believe that your user identification, password, access code, authenticating image or other means to access your account has been lost, stolen or otherwise compromised, or that someone may attempt to use the Service without your consent or has transferred money without your permission, or if you suspect any fraudulent activity in your account(s), you must notify the Financial Institution at once. Contact our Customer Service Center at ▇-▇▇▇-▇▇▇-▇▇▇▇. If your password has been compromised and you tell us within two (2) business days of discovering the loss or misappropriation, you can lose no more than fifty dollars ($50). If you do not tell us within the two (2) business day period, you could lose as much as five hundred dollars ($500) if we could have stopped the use of your accounts had we received notice in a timely manner. You must contact Customer Service as soon as you identify any errors or discrepancies in your statement or transaction record, or if you need any information about a transaction listed on the statement or transaction record. We must hear from you no later than sixty (60) days after we have sent the first statement on which the unauthorized transaction, problem or error appeared (If you notify us verbally, we may require that you send us your complaint or question in writing or electronically within ten (10) business days). Contact our Customer Service Center at ▇-▇▇▇-▇▇▇-▇▇▇▇. The Customer Service Center is open Monday – Friday, 8 am to 7 pm on normal business days. You may also write to us at: First Bank, Attn: Customer Support, 300 S.W. Broad Street, Southern Pines, N.C. 28287. If you fail to notify us within the sixty (60) day period, you may not recover any of the money you lost if we can establish that the loss could have been avoided had you notified us on time. We may extend these time periods for good reasons such as out-of- town travel or extended hospital stays. When you report a problem or discrepancy, please: (i) tell us your name and Service account number; (ii) describe the error or the transaction you are unsure about, and explain why you believe it is in error or what additional information you need; (iii) tell us the dollar amount of any suspected error; and (iv) tell us the Funding Account number used to pay the bill, the Payee name, the applicable account number at the Payee, the date the Payment was sent, the Payment Amount and the Payment reference number. Generally speaking, we will tell you the results of our investigation within ten (10) business days after we hear from you. However, we may take up to forty-five (45) days to investigate your complaint or question. In this case, we may provisionally credit your account so that you have use of the money during the time it takes us to complete our investigation. If you fail to provide your complaint or question in writing within ten (10) business days of a request from us to do so, we reserve the right to not credit your account. If we confirm an error, we will correct your account record within ten (10) business days. If we determine that there was no error, we will send you a written explanation within three (3) business days after we conclude our investigation and will debit any interim amounts credited to your account. You may request copies of any documents that we use in our investigation. Some Bill payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic Fund Transfers Disclosure Statement received when you opened your account, which discloses important information concerning your rights and obligations.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-e- mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly.. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. Exclusion of Warranties THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Password and Security You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling ▇▇▇-▇▇▇-▇▇▇▇ during Member Service hours. Your Liability for Unauthorized Transfers If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period. Errors and Questions In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following:  Telephone us at ▇▇▇-▇▇▇-▇▇▇▇ during Member Service hours;  Contact us by using the application's e-messaging feature; and/or,  Write us at: Navy Army Community Credit Union PO Box 81349 Corpus Christi, TX 78468-1349 If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:  Tell us your name and Service account number;  Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,  Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. If it is determined there was no error we will mail you a written explanation within three

Activation. Upon activation of the electronic bill feature we the Service provider may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service provider will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service provider may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service provider will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service provider will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service provider harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service provider is not responsible for the accuracy of your electronic bill(s). We are The Service provider is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. You are solely responsible for controlling the safekeeping of and access to your user identification, password or other means to access your account. You agree not to give out or make available your user identification, password, access code, authenticating image or other means to access your account to any unauthorized individuals. You are responsible for all Payment transactions authorized by you or by anyone to whom you provide access to your Funding account. You are liable for all Payment transactions you make or that you authorize another person to make even if that person exceeds his or her authority. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Financial Institution at once by calling ▇-▇▇▇-▇▇▇-▇▇▇▇ Sending E-mail is a very good way to communicate with Financial Institution and/or Service provider regarding your accounts or the Services. However, your e-mail is actually sent via your own software and, as a result, is not secure. Because of this, you should not include confidential information, such as account numbers and balances in any e-mail communication. You cannot use e-mail to initiate Service transactions. All such transactions must be initiated using the appropriate functions within the Service. Neither the Service provider nor the Financial Institution shall be liable for any errors, omissions, claims, or problems of any kind involving your e-mail.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail email notification to the e-mail email address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. EXCLUSIONS OF WARRANTIES. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. PASSWORD AND SECURITY. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling ▇▇▇-▇▇▇-▇▇▇▇ during Customer Service hours. We may suspend or cancel your password even without receiving such notice from you, if we suspect your password is being used in a fraudulent of unauthorized manner. LIABILITY FOR UNAUTHORIZED TRANSFERS. LBS will have no liability to you for any unauthorized payment or transfer made using your password that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-e- mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling ▇-▇▇▇-▇▇▇-▇▇▇▇ during customer service hours.

Activation. Upon activation of the electronic bill feature we feature, the Service may notify the ▇▇▇▇▇▇ Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ Payee to ▇▇▇▇▇▇ Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated, it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ Payee shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ Payee on your behalf. For some BillersPayees, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇Payee. By providing us with such information, you authorize us to use the information to obtain your bill data. Treasury Management Services FM 299 Notification – We The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail email notification to the e-mail email address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ Payee to ▇▇▇▇▇▇Payee. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – The electronic ▇▇▇▇▇▇ Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ Payee to ▇▇▇▇▇▇Payee. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇Payee. We The Service will notify your electronic ▇▇▇▇▇▇(sPayee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – You agree to hold us the Service harmless should the ▇▇▇▇▇▇ Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly. ▇▇▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ Payee directly. This Agreement does not alter your liability or obligations that currently exist between you and your Payees.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. You understand that by disclosing your Online Banking password to anyone, regardless of whether that person is a signer, you are providing that person authorization to perform transactions on your account(s) through the Service until you revoke such authority by changing the password or by notifying BECU and obtaining a replacement password. If you fail to maintain security of your password and BECU suffers a loss, we reserve the right to terminate the Service as well as other BECU deposit and loan services provided via Online Banking. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling ▇▇▇-▇▇▇-▇▇▇▇ during business hours You agree to notify BECU immediately if you believe your password has become compromised or an unauthorized transaction has occurred involving your account. Contacting us by telephone at the above number is the best way of keeping your possible losses to a minimum. If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling ▇▇▇.▇▇▇.▇▇▇▇ during Customer Service hours.

Activation. Upon activation of the electronic bill ▇▇▇▇ feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill ▇▇▇▇ may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty Authorization to obtain bill data - Your activation (60) days, depending on the billing cycle of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that each ▇▇▇▇▇▇. By providing us with such informationAdditionally, you authorize us the ability to use receive a paper copy of your statement(s) is at the information sole discretion of the ▇▇▇▇▇▇. While your electronic ▇▇▇▇ feature is being activated it is your responsibility to obtain keep your bill dataaccounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill ▇▇▇▇ notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill ▇▇▇▇ presentment at any time. The timeframe for cancellation of your electronic bill ▇▇▇▇ presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill ▇▇▇▇ delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery Exclusions of electronic bill(s) – Warranties. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Password and Security. You agree not to hold us harmless should the ▇▇▇▇▇▇ fail give or make available your password or other means to deliver access your statement(s)account to any unauthorized individuals. You are responsible for ensuring timely payment of all billspayments you authorize using the Service. Copies of previously delivered bills must be requested from If you permit other persons to use the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU is not Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the accuracy of Service without your electronic bill(s). We are only responsible for presenting consent or has transferred money without your permission, you must notify the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directlyService at once by calling 573- 717-7177 during Customer Service hours.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling ▇▇▇- ▇▇▇-▇▇▇▇ during Customer Service hours.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling ▇▇▇.▇▇▇.▇▇▇▇ during customer service hours. Wording for Sponsors with e-mail contact only: you must notify the Service at once by using the application's e-messaging feature.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. EXCLUSIONS OF WARRANTIES THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. PASSWORD AND SECURITY You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the credit union at once by calling ▇▇▇-▇▇▇-▇▇▇▇ during normal business hours.

Activation. Upon activation of the electronic bill feature feature, we may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty 60 days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated, it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We will attempt use our best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Bill Payment Service, we may send an e-mail email notification to the e-mail email address listed for your accountAccount. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Bill Payment Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) 60 days, depending on the billing cycle of each ▇▇▇▇▇▇. We will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account Account, and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – You agree to hold us harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU is We are not responsible for the accuracy of your electronic bill(s). We are only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. The terms and conditions for the Bill Payment Service do not alter your liability or obligations that currently exist between you and your Billers.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ Biller to ▇▇▇▇▇▇Biller. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇Biller. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. EXCLUSIONS OF WARRANTIES THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. PASSWORD AND SECURITY You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling ▇▇▇-▇▇▇-▇▇▇▇ during customer service hours.

Activation. Upon activation of the electronic bill feature we the Service provider may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service provider will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service provider may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service provider will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service provider will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service provider harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service provider is not responsible for the accuracy of your electronic bill(s). We are The Service provider is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. You are solely responsible for controlling the safekeeping of and access to your user identification, password or other means to access your account. You agree not to give out or make available your user identification, password, access code, authenticating image or other means to access your account to any unauthorized individuals. You are responsible for all Payment transactions authorized by you or by anyone to whom you provide access to your Funding account. You are liable for all Payment transactions you make or that you authorize another person to make even if that person exceeds his or her authority. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Financial Institution at once by calling Customer Service at ▇▇▇-▇▇▇-▇▇▇▇. The Customer Service Center is open Monday – Friday, 8 am to 6 pm on normal business days. You may also write to us at: First Bank First Bank Customer Service, P.O. Box 600, Wilmington, NC 28402. Sending E-mail is a very good way to communicate with Financial Institution and/or Service provider regarding your accounts or the Services. However, your e-mail is actually sent via your own software and, as a result, is not secure. Because of this, you should not include confidential information, such as account numbers and balances in any e-mail communication. You cannot use e-mail to initiate Service transactions. All such transactions must be initiated using the appropriate functions within the Service. Neither the Service provider nor the Financial Institution shall be liable for any errors, omissions, claims, or problems of any kind involving your e-mail.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. 44 You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling ▇▇▇.▇▇▇.▇▇▇▇, ext. 6631 during member service hours.

Activation. Upon activation of the electronic bill feature we the Service may notify the ▇▇▇▇▇▇ of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇ and may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the ▇▇▇▇▇▇. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic ▇▇▇▇▇▇ reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a ▇▇▇▇▇▇ shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ on your behalf. For some Billers, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We - The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – - The electronic ▇▇▇▇▇▇ reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ to ▇▇▇▇▇▇. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇. We The Service will notify your electronic ▇▇▇▇▇▇(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – - You agree to hold us the Service harmless should the ▇▇▇▇▇▇ fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ directly. Accuracy and dispute of electronic bill – BFSFCU - The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ directly.. This Agreement does not alter your liability or obligations that currently exist between you and your Billers. THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling ▇▇▇-▇▇▇-▇▇▇▇ during Customer Service hours. It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations:

Activation. Upon activation of the electronic bill feature we feature, the Service may notify the ▇▇▇▇▇▇ Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from ▇▇▇▇▇▇ Payee to ▇▇▇▇▇▇ Payee and may take up to sixty Authorization (60) days, depending on the billing cycle of each Payee. Additionally, the ability to obtain receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill data - feature is being activated, it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills. Your activation of the electronic bill feature for a ▇▇▇▇▇▇ Payee shall be deemed by us to be your authorization for us to obtain bill data from the ▇▇▇▇▇▇ Payee on your behalf. For some BillersPayees, you will be asked to provide us with your user name and password for that ▇▇▇▇▇▇Payee. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification – We Treasury Management Services FM 299 ONLINE BANKING ACCESS AGREEMENT & ELECTRONIC FUND TRANSFER ACT DISCLOSURE The Service will attempt use its best efforts to present all of your electronic bills promptly. In addition to notification within Billpayerthe Service, we the Service may send an e-mail email notification to the e-mail email address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to Billpayer the Service and check on the delivery of new electronic bills. The time for notification may vary from ▇▇▇▇▇▇ Payee to ▇▇▇▇▇▇Payee. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – The electronic ▇▇▇▇▇▇ Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from ▇▇▇▇▇▇ Payee to ▇▇▇▇▇▇Payee. It may take up to sixty (60) days, depending on the billing cycle of each ▇▇▇▇▇▇Payee. We The Service will notify your electronic ▇▇▇▇▇▇(sPayee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – You agree to hold us the Service harmless should the ▇▇▇▇▇▇ Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the ▇▇▇▇▇▇ Payee directly. Accuracy and dispute of electronic bill – BFSFCU The Service is not responsible for the accuracy of your electronic bill(s). We are The Service is only responsible for presenting the information we receive from the ▇▇▇▇▇▇Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the ▇▇▇▇▇▇ Payee directly. This Agreement does not alter your liability or obligations that currently exist between you and your Payees.