Common use of Recurring Payments Clause in Contracts

Recurring Payments. When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: 1. If the recurring payment’s “Pay Backward” option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date. 2. If the recurring payment’s “Pay Backward” option is not selected (or if the “Pay Backward” option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial Institution. The Financial Institution reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account and the Financial Institution has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree the Financial Institution, at its option, may charge any of your accounts with the Financial Institution to cover such payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution reserves the right to change the cut-off time. You will receive notice if it changes.

Recurring Payments. When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: 1. : * If the recurring payment’s “"Pay Backward” " option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date. 2. * If the recurring payment’s “"Pay Backward” " option is not selected (or if the “"Pay Backward” " option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular PARTICULAR day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE you must allow at least five (5) BUSINESS DAYS, PRIOR TO THE DUE DATEbusiness days prior to the due date, for each bill payment to reach the Payee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial Institution. The Financial Institution reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account and the Financial Institution has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree the Financial Institution, at its option, may charge any of your accounts with the Financial Institution to cover such payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution reserves the right to change the cut-off time. You will receive notice if it changes.

Recurring Payments. When Upon processing a recurring payment is processedBill Payment, we automatically reschedule it is automatically rescheduled by the systemfor its next occurrence. Based upon on your selected frequency settings for the paymentBill Payment, a process date is calculated we will calculate the Process Date for the next occurrence of the paymentyour Bill Payment. If the calculated process date Process Date is a non-business date (generally weekends and certain holidays)non- Business Day, it is adjusted based upon we adjust the following rules: 1. If the recurring payment’s “Pay Backward” option is selected, the process date Process Date for the new occurrence of the payment is adjusted Bill Payment to the first business date prior to the calculated process date. 2. If the recurring payment’s “Pay Backward” option is not selected (or if the “Pay Backward” option is not available), the process date for the new occurrence of the payment is adjusted to the first business date Business Day after the calculated process dateProcess Date. Note: If your frequency settings for the recurring payment Bill Payment specify the 29th, 30th, 30th or 31st as a particular day of the month for as the processing date and that day date does not exist occur in the month of the calculated process datethat month, then we use the last calendar day of that the month is used as the calculated process dateProcess Date. An order to us to make a recurring Bill Payment through Bill Payment Services cannot be given more than 364 days before the date the recurring Bill Payment is to become due. For Single single and Recurring recurring Bill Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, allow at least seven Business Days prior to the due date for each bill payment Bill Payment to reach the Payee. Payee (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment eight Business Days). You can be changed change or canceled, cancel a Bill Payment provided you access the Bill Pay Service change is made prior to the cut-off cutoff time on the business day Business Day prior to the business day Business Day you initiates the bill payment is going to be initiatedBill Payment. You agree to have a sufficient available and collected funds on deposit balance in the account Account you designate in amounts sufficient to pay for all bill payments Bill Payments requested, as well as, as any other payment obligations you have to the Financial Institutionus. The Financial Institution reserves We reserve the right, without liability, to reject or reverse a bill payment Bill Payment if you fail to comply with this requirement or any other terms of this agreementAgreement. If you do not have a sufficient funds available balance in the your Account to pay a Bill Payment and the Financial Institution credit union has not exercised its right to reverse or reject a bill paymentthe Bill Payment, you agree to pay for such payment obligations on demand. You further agree the Financial Institution, at its option, that we may charge any of your accounts Accounts with the Financial Institution us to cover such payment obligations. An overdraft fee of $30 Bill Payments are processed either by Check or a $30 return check fee could be imposed per occurrenceElectronic Fund Transfers. The financial institution reserves Please see the right to change the cut-off time. You will receive notice if it changesElectronic Funds Transfer Services Agreement and Disclosure you received when you opened your Account, which discloses important information concerning your rights and obligations.

Recurring Payments. When If Customer elects to make a bill payment on a recurring basis, the bill payment is processed, it is automatically rescheduled by the system. Based Bill Pay system based upon your Customer’s selected frequency settings for the payment. Thus, a process date is the recurring Scheduled Payment Dates will be calculated for the next occurrence of the payment. If the calculated process date is Scheduled Payment Date falls on a non-business date day (generally weekends and certain holidays), it is adjusted based upon the following rules: 1will be processed as follows: Stopping or Modifying a Bill Payment. If the recurring payment’s “Pay Backward” option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date. 2. If the recurring payment’s “Pay Backward” option is not selected (or if the “Pay Backward” option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any A bill payment can be changed or canceledcanceled any time prior to the cutoff time on the calculated Process Date. If the bill payment made via check has already been processed, provided you access Customer may call Bank and make a stop payment request. If the bill payment has not yet been received and cleared by Bank, Bank can place a stop hold on the bill payment for a specified fee. A copy of the canceled check can be requested for a nominal fee. Authorization to Charge Customer’s Account(s). Customer authorizes Bank to charge Customer’s account(s) for any transactions accomplished through the Bill Pay Service, including the amount of any bill payment, and for any charges for the Bill Pay Service prior and/or stop payment request(s). Customer authorizes Bank to process bill payments according to the cut-off time on instructions that Bank receives if the business day prior instructions are received by Bank through the Bill Pay Service. Customer authorizes Bank to the business day the bill payment is going initiate any reversing entry or reversing file, and to be initiateddebit Customer’s accounts in order to correct any mistaken credit entry. You agree Available Funds. Customer agrees to have available and collected funds on deposit in the account you designate Designated Account in amounts sufficient to pay for all bill payments requested, requested as well as, as any other payment obligations you have Customer has to Bank. If a bill payment is not processed due to non- sufficient funds, Bank can, at its election, continue to check the Financial Institutionbill payment account for available funds for up to two (2) business days, including the Scheduled Payment Date before canceling the scheduled payment. The Financial Institution Bank reserves the right, without liability, to reject or reverse a bill payment if you fail Customer fails to comply with this requirement the above requirements or any other terms of this agreementAgreement. If you do Customer does not have sufficient funds in the Account Designated account and the Financial Institution Bank has not exercised its right to reverse or reject a bill payment, you agree Customer agrees to pay for such payment obligations on demand. You Customer further agree the Financial Institutionagrees Bank, at its option, may charge any of your Customer’s accounts with the Financial Institution Bank to cover such payment obligations. An overdraft fee of $30 Bank is not liable for damages Customer incurs if Customer does not have sufficient funds in Customer’s Designated Account to make the payment on the Process Date or a $30 return check fee could be imposed per occurrence. The financial institution reserves on the right to change the cut-off time. You will receive notice if it changesScheduled Payment Date.

Recurring Payments. When If you have arranged for recurring payments to be charged to a card, and your card number or expiry date changes or if your account is cancelled, the credit card network (the logo of which is on the face of your card) may automatically inform those merchants or institutions to whom you make recurring payment is processedpayments of the details of your new card information, so that your automatic bill payments are not interrupted. However, it is automatically rescheduled by your responsibility to confirm whether merchants or institutions to whom you make recurring payments participate in such a program, and, if that is not the system. Based upon your selected frequency settings for the paymentcase, a process date is calculated for the next occurrence to notify those merchants and institutions of the paymentnew information. You may cancel a card held by a supplementary cardmember or close an account (which automatically cancels all cards issued on that account) at any time, but you will still be required to pay the balance owing on the particular account in accordance with this agreement. We may also cancel a card or close an account at any time without notice to you or to any supplementary cardmember even if an event of default has not occurred under this agreement. We may then require that you immediately repay the balance owing on your account in full with interest at the applicable rate(s). If you cancel a card or close an account or if we do, you must return to us all cards on the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: 1same account since all cards are our property. If the recurring payment’s “Pay Backward” option is selectedcharges are made to a card even after a card has been cancelled, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date. 2. If the recurring payment’s “Pay Backward” option is not selected (or if the “Pay Backward” option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist you must still pay us those charges in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial Institution. The Financial Institution reserves the right, without liability, to reject or reverse a bill payment if you fail to comply accordance with this requirement or any other terms of this agreement. If you do cancel a card or close an account or if we do, your account will be suspended for up to three (3) months. During that time, you can request that the card or account be re-activated. We have the sole discretion to decide if a card or account will be re- activated and may require that you meet certain conditions prior to qualifying for re-activation. Following re-activation of an account, the suspension of the account will cease and this agreement will continue. If you have not have sufficient funds in yet returned to us any cancelled cards you may be able to start using them again following re-activation, otherwise replacement cards will be sent to you. If the Account and the Financial Institution account has not exercised its right to reverse or reject a bill paymentbeen re-activated within three (3) months, you agree to pay for such payment obligations on demand. You further agree the Financial Institutionagreement will terminate but any obligations, at its option, may charge any of your accounts with the Financial Institution to cover such including payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution reserves the right to change the cut-off time. You , that you have not met will receive notice if it changescontinue until you have met them.

Recurring Payments. When a recurring payment is processed, it is automatically rescheduled by the system▇▇▇▇ ▇▇▇. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: 1. : ♦ If the recurring payment’s “Pay Backward” option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date. 2. ♦ If the recurring payment’s “Pay Backward” option is not selected selected, (or if the “Pay Backward” option is not available), ) the process date for the new occurrence of the payment is adjusted to the first business date day after the calculated process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single single and Recurring Paymentsrecurring payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payeepayee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial InstitutionCredit Union. The Financial Institution PFCU reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account and the Financial Institution PFCU has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree the Financial Institutionagree, PFCU at its option, may charge any of your accounts with the Financial Institution to cover recover such payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution PFCU reserves the right to change the cut-off time. A notice of change will be provided to you at this time. Any Bill Pay payment can be changed or canceled, provided you access Bill Pay Services prior to the cut- off time on the business day prior to the business day the payment is going to be initiated. You are solely responsible for controlling the safekeeping of, and access to, your Personal Identification Number (PIN). You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. If you want to terminate another person’s authority, you must notify PFCU and arrange to change your PIN. You will receive notice be responsible for any Bill Pay request you make that contains an error or is a duplicate of another payment. PFCU is not responsible for Bill Pay payment that is not made if you did not properly follow the instructions for making the payment. PFCU is not liable for any failure to make a Bill Pay payment if you fail to promptly notify PFCU after you learn that you have not received a credit from a payee for a payment. PFCU is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Credit Union’s agent. In any event, PFCU will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or Bill Pay Services, even if PFCU has knowledge of the possibility of them. PFCU is not liable for any act, failure to act or delay in acting if it changesis caused, in whole or in part, by any reason beyond PFCU’s reasonable control. PFCU BUSINESS BILL PAY SERVICE IS PROVIDED ON AN AS-IS BASIS. WE MAKE NO WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT BUSINESS BILL PAY WILL OPERATE WITHOUT ERRORS OR THAT IT WILL BE AVAILABLE FOR USE IN ACCORDANCE WITH THE TERMS OF THIS AGREEMENT. THIS WARRANTY DISCLAIMER EXTENDS TO ANY SERVICE OF PFCU BUSINESS BILL PAY, WHICH INCLUDES, BUT IS NOT LIMITED TO, THE SERVICES LISTED HEREIN. You hereby agree that our officers, directors, employees, contractors, agents or vendors are not liable for any direct, indirect, special, incidental, exemplary, or consequential damages including lost profits, income, revenue or data whether in an action based in contract, tort, or warranty caused by the Credit Union, its vendors, Business Bill Pay or the use thereof, or arising out of the installation, use, or maintenance of any products or services subject to this Agreement.

Recurring Payments. When a recurring payment is processed, it is automatically rescheduled by the system▇▇▇▇ ▇▇▇. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: 1. : ♦ If the recurring payment’s “Pay Backward” option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date. 2. ♦ If the recurring payment’s “Pay Backward” option is not selected selected, (or if the “Pay Backward” option is not available), ) the process date for the new occurrence of the payment is adjusted to the first business date day after the calculated process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single single and Recurring Paymentsrecurring payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payeepayee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial InstitutionCredit Union. The Financial Institution PFCU reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account and the Financial Institution PFCU has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree the Financial Institutionagree, PFCU at its option, may charge any of your accounts with the Financial Institution to cover recover such payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution PFCU reserves the right to change the cut-off time. A notice of change will be provided to you at this time. Any Bill Pay payment can be changed or canceled, provided you access Bill Pay Services prior to the cut- off time on the business day prior to the business day the payment is going to be initiated. You are solely responsible for controlling the safekeeping of, and access to, your Personal Identification Number (PIN). You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. If you want to terminate another person’s authority, you must notify PFCU and arrange to change your PIN. You will receive notice be responsible for any Bill Pay request you make that contains an error or is a duplicate of another payment. PFCU is not responsible for Bill Pay payment that is not made if you did not properly follow the instructions for making the payment. PFCU is not liable for any failure to make a Bill Pay payment if you fail to promptly notify PFCU after you learn that you have not received a credit from a payee for a payment. PFCU is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Credit Union’s agent. In any event, PFCU will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or Bill Pay Services, even if PFCU has knowledge of the possibility of them. PFCU is not liable for any act, failure to act or delay in acting if it changesis caused, in whole or in part, by any reason beyond PFCU’s reasonable control.

Recurring Payments. When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon up the following rules: 1. i. If the recurring payment’s “Pay Backwardpay backward” option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date. 2ii. If the recurring payment’s “Pay Backwardpay backward” option is not selected (or if the “Pay Backwardpay backward” option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE You must allow at least five (5) BUSINESS DAYSbusiness days, PRIOR TO THE DUE DATEprior to the due date, for each bill payment to reach the Payeepayee. (For mid-west subscribers, allow 7 seven (7) days and for west coast subscribers, subscribers allow 8 eight (8) days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service bill pay service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial InstitutionCredit Union. The Financial Institution Credit Union reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account account and the Financial Institution Credit Union has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree the Financial InstitutionCredit Union, at its option, may charge any of your accounts with the Financial Institution Credit Union to cover such payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution reserves the right to change the cut-off time. You will receive notice if it changes.

Recurring Payments. When a recurring payment is processed, it is automatically rescheduled by the bill payment system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays)Business Day, it is adjusted based upon the following rules: 1. : • If the recurring payment’s “Pay BackwardBefore” option is selected, the process date for the new occurrence of the payment is adjusted to the first business date Business Day prior to the calculated process date. 2. • If the recurring payment’s “Pay BackwardAfter” option is not selected (or if the “Pay Backward” option is not available)selected, the process date for the new occurrence of the payment is adjusted to the first business date Business Day after the calculated process date. Note: If your frequency settings for the For single and recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE TO SEVEN (5-7) BUSINESS DAYS, PRIOR TO THE DUE DATEDATE OF YOUR BILL, for each bill payment to reach the Payee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiated. You agree to have available and collected funds on deposit in the account Account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial InstitutionBank. The Financial Institution Bank reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreementAddendum. If you do not have sufficient funds in the Account and the Financial Institution Bank has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree the Financial InstitutionBank, at its option, may charge any of your accounts Accounts with the Financial Institution Bank to cover such payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution Bank reserves the right to change the cut-off time. You will receive notice if it changes. Furthermore, although we anticipate that we will process payments as requested by you using the Service, we reserve the right to select the final method in which to remit funds on your behalf to the Payee. You are responsible for any late payments and any related Payee fees that occur because you scheduled the payment too close to the due date. A bill payment can be cancelled or edited through the Service, provided you access the Service prior to the cut-off time on the Business Day the bill payment is scheduled to be processed. If you have told us in advance to make regular, recurring bill payments from your Account, you can also stop any of these payments by calling us at your local branch, or by calling our Electronic Banking Department at ▇-▇▇▇-▇▇▇-▇▇▇▇, or writing to us at your local branch address in time for us to receive your request at least three (3) business days or more before the payment is scheduled to be processed. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. There is no charge for canceling or editing a payment that has been scheduled but has not yet begun to be processed. Once we have begun processing a payment on the date you instruct, it cannot be cancelled or edited, and a stop payment request must be submitted. Our ability to process a bill pay stop payment request will depend on the payment method and, for paper check payments, whether a check has cleared. To stop a payment that has already been processed, you may log into the Service to access your Scheduled Payments and request that it be stopped, or please call us at your local branch or our Electronic Banking Department at ▇-▇▇▇-▇▇▇-▇▇▇▇. We may not have an opportunity to act on a stop payment request after we begin to process a payment but will make reasonable attempts to do so. We may require you to present your request in writing within 14 days.

Recurring Payments. When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date Process Date is calculated for the next occurrence of the payment. If the calculated process date Process Date is a non-business date Business Day (generally weekends and certain holidays), it is adjusted based upon the following rules: 1. : If the recurring payment’s “Pay BackwardBefore” option is selected, the process date Process Date for the new occurrence of the payment is adjusted to the first business date Business Day prior to the calculated process date. 2Process Date. If the recurring payment’s “Pay BackwardAfter” option is not selected (or if the “Pay BackwardBefore” option is not available), the process date Process Date for the new occurrence of the payment is adjusted to the first business date after the calculated process dateProcess Date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process dateProcess Date, then the last calendar day of that month is used as the calculated process dateProcess Date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYSthe system will calculate the Estimated Arrival Date of your payment. This is only an estimate, PRIOR TO THE DUE DATE, so please allow ample time for each bill ▇▇▇▇ payment to reach the Payee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill ▇▇▇▇ payment can be changed or canceled, provided you access the Bill ▇▇▇▇ Pay Service prior to the cut-off time on the business day Business Day prior to the business day Business Day the bill ▇▇▇▇ payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill ▇▇▇▇ payments requested, as well as, any other payment obligations you have to the Financial Institutionus. The Financial Institution reserves We reserve the right, without liability, to reject or reverse a bill ▇▇▇▇ payment if you fail to comply with this requirement or any other terms of this agreementAgreement. If you do not have sufficient funds in the Account and the Financial Institution has we have not exercised its our right to reverse or reject a bill ▇▇▇▇ payment, you agree to pay for such payment obligations on demand. You further agree the Financial Institutionthat we, at its our option, may charge any of your accounts with the Financial Institution us to cover such payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution reserves We reserve the right to change the cut-off time. You will receive notice if it changeswe make a change to the cut-off time.

Recurring Payments. When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: 1. : * If the recurring payment’s “"Pay Backward” " option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date. 2. * If the recurring payment’s “"Pay Backward” " option is not selected (or if the “"Pay Backward” " option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular PARTICULAR day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE you must allow at least five (5) BUSINESS DAYS, PRIOR TO THE DUE DATEbusiness days prior to the due date, for each bill ▇▇▇▇ payment to reach the Payee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill ▇▇▇▇ payment can be changed or canceled, provided you access the Bill ▇▇▇▇ Pay Service prior to the cut-off time on the business day prior to the business day the bill ▇▇▇▇ payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill ▇▇▇▇ payments requested, as well as, any other payment obligations you have to the Financial Institution. The Financial Institution reserves the right, without liability, to reject or reverse a bill ▇▇▇▇ payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account and the Financial Institution has not exercised its right to reverse or reject a bill ▇▇▇▇ payment, you agree to pay for such payment obligations on demand. You further agree the Financial Institution, at its option, may charge any of your accounts with the Financial Institution to cover such payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution reserves the right to change the cut-off time. You will receive notice if it changes.

Recurring Payments. When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: 1. : * If the recurring payment’s “/Pay Backward” Backwards option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date. 2. * If the recurring payment’s “Pay Backward” paymentPay Backward option is not selected (or if the “Pay Backward” Backward option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill ▇▇▇▇ payment to reach the Payee. (For mid-mid west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill ▇▇▇▇ payment can be changed or canceled, provided you access the Bill ▇▇▇▇ Pay Service prior to the cut-off time on the business day prior to the business day the bill ▇▇▇▇ payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill ▇▇▇▇ payments requested, as well as, any other payment obligations you have to the Financial Institution. The Financial Institution reserves the right, without liability, to reject or reverse a bill ▇▇▇▇ payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account and the Financial Institution has not exercised its right to reverse or reject a bill ▇▇▇▇ payment, you agree to pay for such payment obligations on demand. You further agree the Financial Institution, at its option, may charge any of your accounts with the Financial Institution to cover such payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution reserves the right to change the cut-off time. You will receive notice if it changes.

Recurring Payments. When a recurring payment is processedYou understand and agree that we will, it is automatically rescheduled and you hereby authorize us to, charge your debit or credit card (if you have chosen to pay by the system. Based upon card) or to withdraw funds from your selected frequency settings bank account (if you have chosen to pay by bank account), for the paymentstated payment amount when you purchase an insurance policy from us today. You further understand and agree that we will, and you hereby authorize us to, during the term of the policy and any renewals thereof and without any further notice to you, automatically charge your debit or credit card or withdraw funds from your bank account (as applicable) each month if your policy is on a process monthly payment plan or each year if your policy is on an annual plan. If your payment date is calculated for falls on a weekend or holiday, the charge or withdrawal may be executed on the next occurrence of business day. Because the paymentcharges or withdrawals are electronic transactions, funds may be withdrawn from your account each period on the actual payment date(s). If You understand that from time to time your premiums (and therefore the calculated process date is a nonamount we charge or withdraw) may change depending on policy changes you initiate and other factors approved by insurance regulatory authorities and you authorize us to charge your card or withdraw from your bank account accordingly. The authorizations in this paragraph will remain in full force and effect and we will continue to make these recurring charges or withdrawals until you cancel your policy by contacting us at ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or (▇▇▇) ▇▇▇-business date (generally weekends ▇▇▇▇. You represent that you are authorized to use the card or bank account that you provided and certain holidays), it is adjusted based upon the following rules: 1. If the recurring payment’s “Pay Backward” option is selected, the process date for the new occurrence of the payment is adjusted will not dispute these scheduled transactions so long as they correspond to the first business date prior to the calculated process date. 2. If the recurring payment’s “Pay Backward” option is not selected (or if the “Pay Backward” option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiatedterms indicated herein. You agree to have available notify us of changes to your card or bank account at least 15 days before the next payment date. In certain cases we may be notified from third parties of updates to your preferred payment method (for example, updated expiration information on a replaced debit/credit card), and collected funds on deposit in you authorize us to continue to charge such payment method with the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial Institution. The Financial Institution reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreementupdated information. If you do not have sufficient funds in the Account and the Financial Institution has not exercised its right to reverse or reject a bill paymentselected automatic payment (ACH) as your preferred payment method, you agree acknowledge that the origination of such ACH transactions to pay for such payment obligations on demandyour account must comply with the provisions of U.S. law. You further agree the Financial Institutionthat you are responsible for any overdraft, at its optioninsufficient funds, and other service charges that your bank may charge any of your accounts impose in connection with the Financial Institution bank account you have provided to cover such payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution reserves the right to change the cut-off time. You will receive notice if it changesus.

Recurring Payments. When you purchase the Services on a subscription basis (e.g., monthly, every 3 months or annually), you agree that you are authorizing recurring payments, and payments will be made to YGROO by the method and at the recurring intervals you have agreed to, until the subscription for that Service is terminated by you or by YGROO. You must cancel your Services before the next billing date to stop being charged to continue your Services. You understand that certain Services include a minimum subscription period, and if cancelled before the minimum subscription you authorize YGROO to use the payment method to charge the full pending amount due till the end of the remaining minimum subscription period at one time. For questions on how to cancel your Services please write to ▇▇▇▇▇@▇▇▇▇▇.▇▇▇. By authorizing recurring payments and balance pending amount for the minimum subscription periods, you are authorizing YGROO to process such payments as either electronic debits or fund transfers, or as electronic drafts from your designated account (for Automated Clearing House or similar payments), or as charges to your designated account (for credit card or similar payments) (collectively, “Electronic Payments"). Subscription fees are charged in advance of the applicable subscription period. If any payment is processedreturned unpaid or if any credit card or similar transaction is rejected or denied, it is automatically rescheduled by YGROO or its service providers reserve the systemright to collect any applicable return fee, rejection or insufficient funds fee and process any such payment as an Electronic Payment. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date To Privacy Policy I Acceptable Use Policy I Copy Right & Trade Mark Policy I Honour Code MASTER SERVICES AGREEMENT YGROO is a non-business date Social Enterprise making learning more Version 3.0 Effective: October 1, 2022 Accessible – Affordable – Inclusive. Know more Section 10.06 Performa Invoice, Tax Invoice, Electronic Statements and Errors. (generally weekends a) For all Products and certain holidays), it Services YGROO that you purchase or subscribe and successfully pay for YGROO would issue you a Tax Invoice. (b) We also will provide you with an electronic billing statement YGROO. This is adjusted based upon the following rules: 1only billing statement that we provide. If (c) For Offline Purchase or Subscriptions. Once we receive your signed Purchase / Subscription Order we would issue you a Performa Invoice to make the recurring payment’s “Pay Backward” option is selected, payments due. Once we have successfully received your payments we would issue you a Tax Invoice in reference to the process date for the new occurrence of Performa Invoice that have made the payment is adjusted to the first business date for. We cannot issue Tax Invoices prior to the calculated process date. 2payments being realized. (d) If the recurring payment’s “Pay Backward” option is not selected (or if the “Pay Backward” option is not available)we make an error on your bill, the process date for the new occurrence of the payment is adjusted to the first business date you must tell us within 90-days after the calculated process dateerror first appears on your bill. Note: If your frequency settings for We will then promptly investigate the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial Institution. The Financial Institution reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreementcharge. If you do not have sufficient funds in the Account and the Financial Institution has not exercised its right to reverse or reject a bill paymenttell us within that time, you agree release us from all liability and claims of loss resulting from the error and we won't be required to pay for such payment obligations on demandcorrect the error or provide a refund, unless otherwise required by law. You further agree the Financial InstitutionIf ▇▇▇▇▇ has identified a billing error, at its option, we will correct that error within 90- days. This policy does not affect any statutory rights that may charge any of your accounts with the Financial Institution to cover such payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution reserves the right to change the cut-off time. You will receive notice if it changesapply.

Recurring Payments. When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date Business Day (generally weekends and certain holidays), it is adjusted based upon the following rules: 1. : If the recurring payment’s “'s "Pay Backward” " option is selected, the process date for the new occurrence of the payment is adjusted to the first business date Business Day prior to the calculated process date. 2. If the recurring payment’s “'s "Pay Backward” " option is not selected (or if the “"Pay Backward” " option is not available), the process date for the new occurrence of the payment is adjusted to the first business date Business Day after the calculated process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single single and Recurring Paymentsrecurring payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill ▇▇▇▇ payment to reach the Payee. (For mid-west subscribers, allow 7 days days, and for west west-coast subscribers, allow 8 days.) Any bill ▇▇▇▇ payment can be changed or canceled, provided you access the Bill Pay Service ▇▇▇▇ paying service prior to the cut-off time on the business day Business Day prior to the business day Business Day the bill ▇▇▇▇ payment is going to be initiated. You agree to have available and collected funds on deposit in the account Account you designate in amounts sufficient to pay for all bill ▇▇▇▇ payments requested, as well as, as any other payment obligations you have to the Financial InstitutionTrustco Bank. The Financial Institution Trustco Bank reserves the right, without liability, to reject or reverse a bill ▇▇▇▇ payment if you fail to comply with this requirement or any other terms of this agreementsection. If you do not have sufficient funds in the Account and the Financial Institution Trustco Bank has not exercised its right to reverse or reject a bill ▇▇▇▇ payment, you agree to pay for such payment obligations on demand. You further agree the Financial Institutionthat Trustco Bank, at its option, may charge any of your accounts Accounts with the Financial Institution Trustco Bank to cover such payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution Trustco Bank reserves the right to change the cut-off time. You will receive notice if it of such changes.

Recurring Payments. When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date Process Date is calculated for the next occurrence of the payment. If the calculated process date Process Date is a non-business date Business Day (generally weekends and certain holidays), it is adjusted based upon the following rules: 1. : If the recurring payment’s “Pay BackwardBefore” option is selected, the process date Process Date for the new occurrence of the payment is adjusted to the first business date Business Day prior to the calculated process date. 2Process Date. If the recurring payment’s “Pay BackwardAfter” option is not selected (or if the “Pay BackwardBefore” option is not available), the process date Process Date for the new occurrence of the payment is adjusted to the first business date after the calculated process dateProcess Date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process dateProcess Date, then the last calendar day of that month is used as the calculated process dateProcess Date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE SEVEN (57) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the business day Business Day prior to the business day Business Day the bill payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial Institutionus. The Financial Institution reserves We reserve the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreementAgreement. If you do not have sufficient funds in the Account and the Financial Institution has we have not exercised its our right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree the Financial Institutionthat we, at its our option, may charge any of your accounts with the Financial Institution us to cover such payment obligations. An overdraft fee of $30 or a $30 return check fee could be imposed per occurrence. The financial institution reserves We reserve the right to change the cut-off time. You will receive notice if it changeswe make a change to the cut-off time.

Recurring Payments. When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the paymentpayment when a recurring payment is requested by you, a process date it is calculated for automatically scheduled by the next occurrence of the paymentservice. If the calculated process date is a non-business date day (generally weekends and certain holidays), it is adjusted based upon the following rules: 1. : If the recurring payment’s “Pay Backward” option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date. 2. If the recurring payment’s “Pay BackwardForward” option is not selected (or if the “Pay Backward” option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, ▇▇▇▇ Payments requested as well as, as any other payment obligations you have to the Financial Institutionus. The Financial Institution reserves We reserve the right, without liability, to reject or reverse a bill payment ▇▇▇▇ Payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account account and the Financial Institution has we have not exercised its our right to reverse or reject a bill payment▇▇▇▇ Payment, you agree to pay for such payment obligations on demand. You further agree the Financial Institutionthat we, at its our option, may charge any of your accounts with the Financial Institution us to cover such payment obligations. An overdraft fee Any ▇▇▇▇ Payment can be changed or canceled, provided you access the Service and initiate the change prior to the cut-off time on the business day prior to the business day the ▇▇▇▇ Payment is going to be initiated. ▇▇▇▇ Payments can not be changed or cancelled after the cut-off time on the business day prior to the day the ▇▇▇▇ Payment is going to be initiated. LIABILITY You are solely responsible for controlling the safekeeping of $30 and access to your password. You are liable for all transactions you make or that you authorize another person to make, even if that person exceeds his or her authority. If you want to terminate another person’s authority, you must notify us to change your password. You will be responsible for any ▇▇▇▇ Payment request you make that contains an error or is a $30 return check fee could duplicate of another ▇▇▇▇ Payment. We are not responsible for a ▇▇▇▇ Payment that is not made if you did not properly follow the instructions for making a ▇▇▇▇ Payment. We are not liable for any failure to make a ▇▇▇▇ Payment if you fail to promptly notify us after you learn that you have not received credit from a Payee for a ▇▇▇▇ Payment. We are not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facilities, and no such party shall be imposed per occurrencedeemed to be our agent. The financial institution reserves In any event, we will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Service, even if we have knowledge of the possibility of them. We are not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond our reasonable control. Amendment and Termination We have the right to change this Agreement at any time by notice mailed to you at the cut-off last address shown for the Account on our records, by posting notice in branches of Security First Bank, or as otherwise permitted by law. We have the right to terminate this Agreement at any time. You may terminate this Agreement by written notice to us. We are not responsible for any payment made before we have a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by us on your behalf. First Pay Plus services will receive notice be cancelled if it changesnot used for a 90-day period. First Pay Plus services can be cancelled due to non-sufficient funds.