Common use of Payment Authorization and Payment Remittance Clause in Contracts

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

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

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

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

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

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

Payment Authorization and Payment Remittance. You represent and warrant that you are acting with full authority for the applying entity, and that you are duly authorized to execute this Agreement on behalf of the applying entity. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Payees to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the Servicepayment system. When we receive a Payment Instruction from youIn order to process payments more efficiently and effectively, you authorize us to debit your Eligible Transaction Account and remit funds on your behalf. You also authorize us to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) Service may edit or cancelled and returned to you because the processing of the alter payment transaction could not be completed. You agree that we will not be liable data or data formats in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. We will use reasonable efforts to complete all your payment transactions properly. However, we shall incur no liability if we are unable to complete any transaction because of the existence of any one or more of the following circumstances: accordance with Payee directives. a. If, through no fault of oursthe Service, the Eligible Transaction your Payment Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; ; b. The Service payment processing center is not working properly properly, and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; c. You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number account information for the Payee; and/or, d. Circumstances beyond control of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Payee which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the Receiver proper Payee any previously misdirected transactions, and, if applicable, for any late payment related charges. When you initiate electronic payments from your account through the ACH Network you act as the Originator and we act as the ODFI. As Originator, you authorize us as the ODFI to originate the Entries on your behalf to the Receivers’ accounts. By submitting Entries and by using the ACH Network you demonstrate your agreement to be bound by NACHA Rules as now in effect or as may be amended from time to time. You acknowledge that you have a copy of the NACHA Rules or that you have access to a copy of the NACHA Rules. As the Originator is it your responsibility to ensure the accuracy that Entries and originations of any information that they enter into the Service (ACH transactions comply with U.S. Law including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered sanctions enforced by the Sender or ReceiverOffice of Foreign Assets Control (“OFAC”). In this End Users AgreementYou represent and warrant to us that: a. Each person shown as the receiver on the an entry received by us from you has authorized the initiation of such entry and the crediting of its account in the amount and on the date on such entry, b. Such authorization is operative at the time of transmittal of entries by us, c. Entries you transmit to us are limited to credit entries to accounts held by consumer receivers only and are subject to limits we establish and change from time to time without prior notice to you, and d. You have received notice of the rule regarding provisional payment and the fact that if a settlement is not received, the words “I,” “me,” “my,” “us” RDFI is entitled to a refund from the intended ACH recipient and “our” mean you shall not be deemed to have paid the (consumer or business) that applied for and/or uses any intended ACH recipient the amount of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controlEntry.

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

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

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

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

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

Payment Authorization and Payment Remittance. a. By providing us the Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Service to follow the Payment Instructions that we receive it receives through the Servicepayment system following the use of the Security Procedures. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with ▇▇▇▇▇▇ directives. b. When we receive any payment or other online Service generates items to be charged to your Payment Account, you agree that the Service may debit your Payment Account without requiring your signature on the item and without prior notice to you. c. When the Service receives a Payment Instruction from youInstruction, you authorize us the Service to debit your Eligible Transaction Payment Account and remit funds on your behalf. behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. d. You also authorize us the Service to credit your Eligible Transaction Payment Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Service by the United States Postal Service or cancelled and returned ▇▇▇▇▇▇, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completed. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you. We Service. e. The Service will use commercially reasonable efforts to complete make all your payment transactions payments properly. However, we the Service shall incur no liability and any Service Guarantee shall be void if we are the Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: : i. If, through no fault of oursthe Service, the Eligible Transaction your Payment Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; ; ii. The Service payment processing center is not working properly and you know or have been advised by us the Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; ; iii. You have not provided us the Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number account information for the ▇▇▇▇▇▇; and/or, iv. Circumstances beyond control of the Receiver to whom you are initiating a payment transaction; and/or, Circumstances beyond our control Service Provider (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Service has taken reasonable precautions to avoid those circumstances. It is the responsibility . f. Provided none of the Sender and the Receiver to ensure the accuracy of any information that they enter into foregoing exceptions are applicable, if the Service (including but causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a ▇▇▇▇▇▇ that does not limited comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to the your Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)Account, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper ▇▇▇▇▇▇ any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability and, if applicable, for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controllate payment related charges.

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

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

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

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

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

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

Payment Authorization and Payment Remittance. By providing us the Bill Payment Service with names and telephone numbers, email addresses, and/or bank account information of Receivers Billers to whom you wish to direct payments, you authorize us the Bill Payment Service to follow the Payment Instructions that we receive it receives through the ServiceSite. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with ▇▇▇▇▇▇ directives. When we receive the Bill Payment Service receives a Payment Instruction from youInstruction, you authorize us the Bill Payment Service to debit your Eligible Transaction Account and remit funds on your behalfbehalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us the Bill Payment Service to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) the Bill Payment Service by the United States Postal Service or cancelled and returned ▇▇▇▇▇▇, or payments remitted to you because the processing on behalf of another authorized user of the payment transaction could not be completedBill Payment Service. You agree that we The Bill Payment Service will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender attempt to send them to you. We will use reasonable efforts to complete make all your payment transactions payments properly. However, we the Bill Payment Service shall incur no liability and any Service Guarantee (as described in Section 4.3 of the Bill Payment Terms) shall be void if we are the Bill Payment Service is unable to complete any transaction payments initiated by you because of the existence of any one or more of the following circumstances: If, through no fault of oursthe Bill Payment Service, the your Eligible Transaction Account does not contain sufficient funds to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account; The Service payment processing center is not working properly and you know or have been advised by us the Bill Payment Service about the malfunction before you execute the payment transaction; The payment is refused as described in Section 20 below; You have not provided us the Bill Payment Service with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address name, address, phone number, or mobile phone number of account information for the Receiver to whom you are initiating a payment transaction▇▇▇▇▇▇; and/or, Circumstances beyond our control of the Bill Payment Service (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the payment transaction and we have the Bill Payment Service has taken reasonable precautions to avoid those circumstances. It is the responsibility Provided none of the Sender and foregoing exceptions are applicable, if the Receiver Bill Payment Service causes an incorrect amount of funds to ensure be removed from your Eligible Transaction Account or causes funds from your Eligible Transaction Account to be directed to a ▇▇▇▇▇▇ which does not comply with your Payment Instructions, the accuracy of any information that they enter into Bill Payment Service shall be responsible for returning the Service (including but not limited improperly transferred funds to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction)your Eligible Transaction Account, and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made directing to the wrong person or entity once informedproper ▇▇▇▇▇▇ any previously misdirected transactions, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability and, if applicable, for damages resulting from incorrect information entered by the Sender or Receiver. In this End Users Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this End Users Agreement. The words “your Credit Union,” “our Credit Union,” and “the Credit Union” mean Farmers Insurance Federal Credit Union. My Application for use of the services, your notification of approval of my application, and my Credit Union (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will controllate payment related charges.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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