Terms & Conditions

BUSINESS BILL PAYING AGREEMENT/DISCLOSURE

This is your business bill paying agreement with UnitedOne Credit Union. You may use
UnitedOne Credit Union's business bill paying service, Business Bill Payer, to direct
UnitedOne Credit Union to make payments from your designated checking account to the
Payees you choose in accordance with this agreement. The terms and conditions of this
Agreement are in addition to the Account agreements, disclosures and other documents in
effect from time to time governing your Account (the Account Rules).

"You" or "your" means each person who signs the business bill paying enrollment form or is
otherwise authorized to use the Service. "Payee" means anyone, including the Financial
Institution, you designate and the Financial Institution accepts as a payee.

HOW TO SET UP PAYEES/PAYMENTS

Complete a business bill paying enrollment form. IF YOU WANT TO ADD A NEW PAYEE
USE "ADD PAYEE" BUTTON ON Digital Banking. You may add a new fixed payment to a
Payee, only if the Payee is on your authorized list of payees, and by accessing the
Service and entering the appropriate information. Most other additions, deletions, or
changes can be made by using the Service. The Financial Institution reserves the right to
refuse the designation of a Payee for any reason. Each Payee accepted by the
Financial Institution will be assigned a merchant code.

The Financial Institution is not responsible if a Bill Payment cannot be made due to
incomplete, incorrect, or outdated information provided by you regarding a Payee or if
you attempt to pay a Payee that is not on your Authorized Payee list.



THE BILL PAYING PROCESS

The Financial Institution will process variable payments on the business day (generally
Monday through Friday, except holidays) you designate the bill is to be processed, provided
the payment request is received prior to the cut-off time set by the Financial Institution,
which is currently 3:00 p.m. CST. Variable bill requests received after the business day cut
off time, or at any time on a non-business day will be processed on the next business day.
The Financial Institution reserves its right to change the cut-off time by giving you notice if it
changes.

FOR RECURRING PAYMENT REQUESTS, IF YOU DESIGNATE A PROCESSING DATE OF THE
28TH THROUGH THE 31ST OF A MONTH, PROCESSING WILL BE INITIATED ON THE LAST
CALENDAR DAY OF THE MONTH. Otherwise, recurring payment requests will be processed
on the dates you have designated, unless such date falls on a non-business day resulting in
your payment being processed on the next business day.

YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, FOR
EACH BILL PAYMENT (RECURRING OR VARIABLE) TO REACH THE PAYEE. IT IS THE
RESPONSIBILITY OF THE SUBSCRIBER TO SCHEDULE/ACTIVATE "RECURRING" PAYMENTS.
IT IS OUR RECOMMENDATION THAT ADDITIONAL DAYS BE ALLOWED FOR PAYMENTS
TRAVELING MORE THAN 4 STATES AWAY.

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.

Any Bill Payment can be changed or canceled, provided you access the Service prior to the
cut-off time on the business day prior to the business day the Bill Payment is going to be
initiated.

LIABILITY

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 the Financial Institution. You will be responsible for any Bill Payment request you make
that contains an error or is a duplicate of another Bill Payment. The Financial Institution is
not responsible for a Bill Payment that is not made if you did not properly follow the
instructions for making a Bill Payment. The Financial Institution is not liable for any failure to
make a Bill Payment if you fail to promptly notify the Financial Institution after you learn
that you have not received credit from a Payee for a Bill Payment. The Financial
Institution 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 Financial Institution's agent. In any event, the Financial
Institution 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 the
Financial Institution has knowledge of the possibility of them. The Financial Institution is 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 the Financial Institution's reasonable control.

Amendment and Termination

The Financial Institution has the right to change this Agreement at any time by notice mailed
to you at the last address shown for the Account on the Financial Institution's records, by
posting notice in branches of the Financial Institution, or as otherwise permitted by law.

The Financial Institution has the right to terminate this Agreement at any time. You may
terminate this Agreement by written notice to the Financial Institution. The Financial
Institution is not responsible for any fixed payment made before the Financial Institution has
a reasonable opportunity to act on your termination notice. You remain obligated for any
payments made by the Financial Institution on your behalf.

Inactivity & Fees

The first 2 months are free. After that the following charges apply.
$6.00 monthly fee, 10 free transactions, $.50 per transaction after 10

The following inactive charges apply:

$6.00 monthly inactive fee the second month that no activity takes place.
$6.00 monthly inactive fee the third month that no activity takes place.

After three consecutive months of inactivity, your Business Bill Payer service may be
cancelled.

Additional Charges for Customer Requested Services may apply.
Any charges for additional requested services will be provided to you before they are incurred. There will be NO Charge for any item if needed to correct a Financial Institution error.


Rush Payment Charges
Next Business Day (Overnight) Rush check payment: $34.95
Second-Day Rush check payment: $29.95
Second-Day Electronic Delivery (Economy): $6.95


The Financial Institution reserves the right to charge you for research time involving
payments no longer available in your screen history. You will be informed of any such
charges before they are incurred.