Common use of Single Payments Clause in Contracts

Single Payments. A single payment will be processed on the Business Day (any day except Saturday, Sunday and Federal holidays) that you designate as the payment's process date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time is currently 2:00 PM. A single payment submitted after the cut-off time on the designated process date will be processed on the following Business Day. If you designate a non-Business Day (generally weekends and certain holidays) as the payment's process date, the payment will be processed on the first Business Day following the designated process date. 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 Day (generally weekends and certain holidays), it is adjusted based upon the following rules: If the recurring payment's "Pay before” option is selected, the process date for the new occurrence of the payment is adjusted to the first Business Day prior to the calculated process date. If the recurring payment's "Pay after” option is not, the process date for the new occurrence of the payment is adjusted to the first 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 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 paying 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 Trustco Bank. 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 section. If you do not have sufficient funds in the Account and 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 that Trustco Bank, at its option, may charge any of your Accounts with Trustco Bank to cover such payment obligations. Trustco Bank reserves the right to change the cut-off time. You will receive notice of such changes.

Single Payments. A single payment will be processed on the Business Day business day (any day generally Monday through Friday, except Saturday, Sunday and Federal certain holidays) that you designate as the payment's process datepayments Process Date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time is currently 2:00 PM. A single payment submitted after the cut-off time on the designated process date Process Date will be processed on the following Business Daynext business day. If you designate a non-Business Day non- business date (generally weekends and certain holidays) as the payment's process datepayments Process Date, the payment will be processed on the first Business Day business day following the designated process dateProcess Date. 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 Day business date (generally weekends and certain holidays), it is adjusted based upon the following rules: • If the recurring payment's "payments Pay before” Before option is selected, the process date Process Date for the new occurrence of the payment is adjusted to the first Business Day business date prior to the calculated process date. Process Date • If the recurring payment's "payments Pay after” After option is notselected, the process date Process Date for the new occurrence of the payment is adjusted to the first Business Day business date after the calculated process date. Note: Process Date • 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 all payment options, the system will calculate the Estimated Arrival Date of your payment. For single and recurring paymentsThis is only an estimate, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, so please allow ample time for each bill payment your payments to reach your Payees. Bill Pay limits are established by the Payee. (For mid-west subscribers, allow 7 days, Bank and for west-coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the bill paying service prior are subject to the cut-off time on the Business Day prior to the Business Day the bill payment is going to be initiatedchange at any given time. You agree to have available must supply the correct payee name and collected funds on deposit in address and the Account you designate in amounts sufficient to pay for all bill payments requested, name of the individual being billed as well as any other the account number as it appears on the payee’s record. You must allow sufficient time for the payee to receive the payment obligations you have to Trustco Bank. Trustco Bank reserves before the rightpayment due date, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this sectionexcluding grace periods. If you do not have allow sufficient funds in the Account and Trustco Bank has not exercised its right to reverse or reject time for a bill payment, you agree to pay assume full responsibility for such payment obligations on demandall late fees, finance charges and any other actions against you initiated by a payee. You further agree The U.S. Postal Service controls the delivery date and the merchant controls the actual posting date. We cannot guarantee that Trustco Bank, at its option, may charge payments will be delivered and posted within any of your Accounts with Trustco Bank to cover such payment obligations. Trustco Bank reserves the right to change the cut-off given period or by any date or time. Community Bank representatives will be available to assist you Monday through Thursday, from 8:30 a.m. to 4:30 p.m. and on Fridays from 8:30 am to 5:00 p.m. You will receive notice of such changescan contact us by email at ▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling ▇▇▇-▇▇▇-▇▇▇▇ with any questions or problems you may have regarding Bill Pay services. If you believe your account number, user name and/or password has been lost, stolen or compromised or that someone has transferred or may transfer money from your account without your permission, call the above phone number.

Single Payments. A single payment will be processed on the Business Day business day (any day except Saturday, Sunday and Federal federal holidays) that you designate as the payment's payments process date, provided the payment is submitted prior to the daily cut-off cutoff time of 4:30 p.m. ET on that date. The daily cut-off time is currently 2:00 PM. A single payment submitted after the cut-off cutoff time on the designated process date will be processed on the following Business Daynext business day. If you designate a non-Business Day nonbusiness date (generally weekends and certain weekend or federal holidays) as the payment's payment process date, the payment will be processed on the first Business Day next business day following the designated process date. Recurring Payments: When a recurring payment is processed, it is automatically rescheduled scheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the it will default your next occurrence of the payment. If the calculated process date is a non-Business Day nonbusiness date (generally weekends and certain weekend or federal holidays), it is adjusted based upon the following rules: · If the recurring payment's "Pay before” Before" option is selected, the process date for the new occurrence of the payment is adjusted to the first Business Day business date prior to the calculated scheduled process date. · If the recurring payment's "Pay after” After" option is notselected, the process date for the new occurrence of the payment is adjusted to the first Business Day business date after the calculated scheduled 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 scheduled process date, then the last calendar day of that month is used as will become the calculated new process date. For single Payments may be returned by the payee’s financial institution for various reasons. In the event a payment is returned, the funds will be deposited back into your account within 1 to 2 business days of being notified. The payee will be deleted from your list of payees as the information provided is no longer valid. In order to reprocess the payment, you will need to add a new payee with the updated account information. Payees may be updated for various reasons, the form of payment may be modified to electronic payment from check payment, and recurring payees’ addresses may also be modified as payees provide updates to the third party processor. This process occurs when information is provided from the payee’s financial institution that a change is needed to process the payment correctly. A payee may be deleted in the event the company no longer accepts electronic payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, . Note: Assistance is available to update or change payments and payees. The system will provide the estimated arrival date of your payment. Please note this is only an estimate and the actual arrival may differ. Please allow ample time for each bill payment your payments to reach the Payeeyour payee. (For mid-west subscribers, allow 7 days, and for west-coast subscribers, allow 8 days.) Any A bill payment can be changed or canceled, provided you access the bill paying service any time prior to the cut-off cutoff time on the Business Day prior to scheduled process date. In the Business Day the bill event a payment is going to be initiated. You agree to have available and collected funds on deposit sent in the Account you designate in amounts sufficient to pay for all bill payments requestederror, as well as any other payment obligations you have until 12 p.m. the next business day to Trustco Bank. Trustco Bank reserves contact the right, without liability, Credit Union to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this section. If you do not have sufficient funds in cancel the Account and 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 that Trustco Bank, at its option, may charge any of your Accounts with Trustco Bank to cover such payment obligations. Trustco Bank reserves the right to change the cut-off time. You will receive notice of such changes.

Single Payments. A single payment will be processed on the Business Day business day (any day generally Monday through Friday, except Saturday, Sunday and Federal certain holidays) that you designate as the payment's process date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time time, which is controlled by the Bank, is currently 2:00 PMPM Mountain Time. A single payment submitted after the cut-off time on the designated process date will be processed on the following Business Daybusiness day. If you designate a non-Business Day business date (generally weekends and certain holidays) as the payment's process date, the payment will be processed on the first Business Day business day following the designated process date. 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 Day business date (generally weekends and certain holidays), it is adjusted based upon the following rules: * If the recurring payment's "Pay before” Backward" option is selected, the process date for the new occurrence of the payment is adjusted to the first Business Day business date prior to the calculated process date. * If the recurring payment's "Pay after” Backward" option is notnot 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 Day 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 Single and recurring paymentsRecurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATEyou must allow enough time prior to the due date, for each bill payment to reach the Payee. (For mid-west subscribers, allow 7 days, and You can determine the amount of time required for west-coast subscribers, allow 8 days.) each payee by clicking on a payee in the payee list. The number of days required will be displayed. Any bill payment can be changed or canceled, provided you access the bill paying service Bill Pay Service prior to the cut-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 Trustco the Bank. Trustco The 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 sectionagreement. If you do not have sufficient funds in the Account and Trustco the 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 that Trustco the Bank, at its option, may charge any of your Accounts accounts with Trustco the Bank to cover such payment obligations. Trustco If sufficient funds are not available and the Bank elects to pay or reject the Bill Payment, NSF/Overdraft fees will apply. Refer to your Common Features fee schedule, received when you opened your account, which discloses important information concerning fees that may be assessed against your account. The Bank reserves the right to change the cut-off time. You will receive notice of such if the cut-off time changes.

Single Payments. A single payment will be processed on the Business Day business day (any day generally Monday through Friday, except Saturday, Sunday and Federal certain holidays) that you designate as the payment's payment process date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time time, which is controlled by the financial institution, is currently 2:00 PMMT. A single payment submitted after the cut-off time on the designated process date will be processed on the following Business Daybusiness day. If you designate a non-Business Day business date (generally weekends and certain holidays) as the payment's payment process date, the payment will be processed on the first Business Day business day following the designated process date. 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 Day business date (generally weekends and certain holidays), it is adjusted based upon the following rules: If the recurring payment's "payment Pay before” Backward option is selected, the process date for the new occurrence of the payment is adjusted to the first Business Day business date prior to the calculated process date. If the recurring payment's "payment Pay after” Backward option is notnot 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 Day 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 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, and for west-coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the bill paying service Online ▇▇▇▇ 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 account you designate in amounts sufficient to pay for all bill ▇▇▇▇ payments requested, as well as as, any other payment obligations you have to Trustco Bankthe Financial Institution. Trustco Bank 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 sectionagreement. If you do not have sufficient funds in the Account and Trustco Bank 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 that Trustco Bankthe Financial Institution, at its option, may charge any of your Accounts accounts with Trustco Bank the Financial Institution to cover such payment obligations. Trustco Bank The financial institution reserves the right to change the cut-off time. You will receive notice of such if it changes.

Single Payments. A single payment will be processed on the Business Day business day (any day generally Monday through Friday, except Saturday, Sunday and Federal certain holidays) that you designate as the payment's process datepayments Process Date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time is currently 2:00 PM. A single payment submitted after the cut-off time on the designated process date Process Date will be processed on the following Business Daynext business day. If you designate a non-Business Day non- business date (generally weekends and certain holidays) as the payment's process datepayments Process Date, the payment will be processed on the first Business Day business day following the designated process dateProcess Date. 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 Day business date (generally weekends and certain holidays), it is adjusted based upon the following rules: • If the recurring payment's "payments Pay before” Before option is selected, the process date Process Date for the new occurrence of the payment is adjusted to the first Business Day business date prior to the calculated process date. Process Date • If the recurring payment's "payments Pay after” After option is notselected, the process date Process Date for the new occurrence of the payment is adjusted to the first Business Day business date after the calculated process date. Note: Process Date • 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 all payment options, the system will calculate the Estimated Arrival Date of your payment. For single and recurring paymentsThis is only an estimate, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, so please allow ample time for each bill payment your payments to reach your Payees. ▇▇▇▇ Pay limits are established by the Payee. (For mid-west subscribers, allow 7 days, Bank and for west-coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the bill paying service prior are subject to the cut-off time on the Business Day prior to the Business Day the bill payment is going to be initiatedchange at any given time. You agree to have available must supply the correct payee name and collected funds on deposit in address and the Account you designate in amounts sufficient to pay for all bill payments requested, name of the individual being billed as well as any other the account number as it appears on the payee’s record. You must allow sufficient time for the payee to receive the payment obligations you have to Trustco Bank. Trustco Bank reserves before the rightpayment due date, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this sectionexcluding grace periods. If you do not have allow sufficient funds in the Account and Trustco Bank has not exercised its right to reverse or reject time for a bill payment, you agree to pay assume full responsibility for such payment obligations on demandall late fees, finance charges and any other actions against you initiated by a payee. You further agree The U.S. Postal Service controls the delivery date and the merchant controls the actual posting date. We cannot guarantee that Trustco Bank, at its option, may charge payments will be delivered and posted within any of your Accounts with Trustco Bank to cover such payment obligations. Trustco Bank reserves the right to change the cut-off given period or by any date or time. Community Bank representatives will be available to assist you Monday through Thursday, from 8:30 a.m. to 4:30 p.m. and on Fridays from 8:30 am to 5:00 p.m. You will receive notice of such changescan contact us by email at ▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling 304-485-7991 with any questions or problems you may have regarding ▇▇▇▇ Pay services. If you believe your account number, user name and/or password has been lost, stolen or compromised or that someone has transferred or may transfer money from your account without your permission, call the above phone number.

Single Payments. A single payment will be processed on the Business Day business day (any day except Saturday, Sunday and Federal federal holidays) that you designate as the payment's payments process date, provided the payment is submitted prior to the daily cut-off time cutoff times of 8:00 a.m. and 3:00 p.m. ET on that date. The daily cutIf the available balance in the account is insufficient to make a scheduled payment at 8:00 a.m., the payment will re-off time is currently 2:00 PMattempt at 3:00 p.m. on the same business day. A single payment submitted after the cut-off 3:00 p.m. cutoff time on the designated process date will be processed on the following Business Daynext business day. If you designate a non-Business Day nonbusiness date (generally weekends and certain weekend or federal holidays) as the payment's payment process date, the payment will be processed on the first Business Day next business day following the designated process date. Recurring Payments: When a recurring payment is processed, it is automatically rescheduled scheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the it will default your next occurrence of the payment. If the calculated process date is a non-Business Day nonbusiness date (generally weekends and certain weekend or federal holidays), it is adjusted based upon the following rules: · If the recurring payment's "Pay before” Before" option is selected, the process date for the new occurrence of the payment is adjusted to the first Business Day business date prior to the calculated scheduled process date. · If the recurring payment's "Pay after” After" option is notselected, the process date for the new occurrence of the payment is adjusted to the first Business Day business date after the calculated scheduled 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 scheduled process date, then the last calendar day of that month is used as will become the calculated new process date. For single Payments may be returned by the payee’s financial institution for various reasons. In the event a payment is returned, the funds will be deposited back into your account within 1 to 2 business days of being notified. The payee will be deleted from your list of payees as the information provided is no longer valid. In order to reprocess the payment, you will need to add a new payee with the updated account information. Payees may be updated for various reasons, the form of payment may be modified to electronic payment from check payment, and recurring payees’ addresses may also be modified as payees provide updates to the third party processor. This process occurs when information is provided from the payee’s financial institution that a change is needed to process the payment correctly. A payee may be deleted in the event the company no longer accepts electronic payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, . Note: Assistance is available to update or change payments and payees. The system will provide the estimated arrival date of your payment. Please note this is only an estimate and the actual arrival may differ. Please allow ample time for each bill payment your payments to reach the Payeeyour payee. (For mid-west subscribers, allow 7 days, and for west-coast subscribers, allow 8 days.) Any A bill payment can be changed or canceled, provided you access the bill paying service any time prior to the cut-off applicable cutoff time (either 8:00 a.m. or 3:00 p.m. ET) on the Business Day prior scheduled process date. Once the Credit Union begins to process a payment following the Business Day applicable cutoff time, the bill payment is going to cannot 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 Trustco Bank. Trustco Bank reserves the right, without liability, to reject changed or reverse a bill payment if you fail to comply with this requirement or any other terms of this section. If you do not have sufficient funds in the Account and 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 that Trustco Bank, at its option, may charge any of your Accounts with Trustco Bank to cover such payment obligations. Trustco Bank reserves the right to change the cut-off time. You will receive notice of such changescanceled.